为什么要买商业保险？

商业保险是一种金融工具，它能为个人或公司提供风险保障。尽管许多人已经有了基本的医疗保险或社会保险，但购买商业保险仍然是很重要的。下面我们来探讨为什么要买商业保险。英文翻译：Why buy commercial insurance?

1. 扩展保障范围：商业保险可以提供更广泛的保障，包括一些基本医疗保险和社保无法覆盖的风险。例如，一些特定疾病的治疗和康复费用可能不在医保范围内，而商业保险可以提供这方面的保障。英文翻译：Expanding coverage: Commercial insurance can provide broader coverage, including risks that are not covered by basic medical insurance or social security. For example, the cost of treatment and rehabilitation for specific diseases may not be covered by medical insurance, but commercial insurance can provide coverage in this regard.
2. 提高财务稳定性：商业保险可以在个人或公司遇到重大财务困难时提供经济支持。例如，如果一个人失去了工作能力或患上严重疾病，商业保险的赔偿可以帮助他们渡过难关，维持正常的生活。英文翻译：Improving financial stability: Commercial insurance can provide financial support when an individual or company encounters significant financial difficulties. For example, if a person loses their ability to work or contracts a serious illness, compensation from commercial insurance can help them get through the difficult times and maintain their normal life.
3. 投资和理财：商业保险不仅可以提供保障，还可以作为一种投资和理财工具。一些分红型保险或投资型保险产品可以在提供保障的同时，为投资者带来一定的收益。英文翻译：Investment and financial planning: Commercial insurance not only provides coverage, but can also serve as an investment and financial planning tool. Some dividend insurance or investment-oriented insurance products can provide coverage while also generating a certain return for investors.