Nowadays, some enterprises will buy group insurance for their employees. So I hear some voices: since the company has bought group insurance for us, we don't need to buy commercial insurance for ourselves! This idea is actually one-sided. Is it really foolproof to have group insurance?

Company group insurance refers to the business group insurance that the company, as the insured, buys uniformly for our employees. The premium of group insurance is generally paid by the company, and the employees do not need to pay by themselves. Group insurance generally includes one-year medical insurance, life insurance, accident insurance and even serious illness insurance. Generally, only the company with good profit will prepare a more complete group insurance for employees. However, with group insurance, it is not foolproof, and it can only be regarded as a supplement to our protection. First of all, let's see what position group insurance is in the security system: social security is our basic security, covering a wide range, but the strength of security is limited, playing the role of "bottom"; commercial insurance and investment are matched together to solve major risks, playing the role of upgraded security; security supplement, if there is, it will be better, if not, do a good job in basic security and upgraded security, it will be enough.

Advantages of group insurance: First of all, the insurance threshold is low. The health notification of group insurance is relatively loose, as we can see from the above figure, and there are fewer restrictions on the past medical history. Most group life insurance does not require physical examination, and even if there is a past medical history, it can be successfully insured. Secondly, the medical insurance has a wider range of reimbursement. Our personal commercial medical insurance does not cover medical expenses such as disease outpatient service, maternity, etc., but group medical insurance has such items. Thirdly, some group insurance can also attach the protection of spouse and children, which will be borne by the company. Moreover, the policy fee is more favorable. Although most of the group insurance is borne by the company, and will give a certain discount. If the company and employees jointly bear the premium, for individuals, the cost performance is still very high. The protection defects of group insurance: first of all, the health protection is less and the insurance amount is low. Like insurance brokerage companies also have their own group insurance. Although the group insurance looks quite complete, medical insurance, accident insurance and life insurance are covered, but if there is a serious illness or disaster, this protection really does not play a role. For example, the medical insurance in the group insurance is usually supplementary to the social security. That is to say, the cost of our medical treatment should be reimbursed by the social security first, and the rest of the cost should be within the scope of the social security, so that the medical insurance can be reimbursed through the group insurance. Different group insurance, the reimbursement ratio and reimbursement amount are somewhat different. The reimbursement ratio is usually 90%-100%, the highest reimbursement of outpatient clinic is 2000 yuan-5000 yuan annually, and the highest reimbursement of hospitalization is 10,000 yuan-20,000 yuan annually. Therefore, if it is a serious disease, this amount is far from enough to support the treatment cost. Second, the guarantee time is unstable. The company's group insurance is generally bought once a year, and the insurance is guaranteed for one year. Therefore, once the company's welfare policy is adjusted, the group insurance policy will change, and this year is not necessarily there next year; because the group insurance is bought by the company, if oneself leaves the company, it will also lead to the loss of the guarantee. The guarantee of group insurance is unstable and not strong enough. In the long run, we should buy commercial insurance as soon as possible.

（Writer：Tick）