Employees can pay out of pocket for additional commercial insurance.
Tips
usage
加 (add) + 保 (insure). Often followed by the specific rider being added: 加保盗抢险 (theft), 加保涉水险 (flood), 加保不计免赔 (no-deductible). Distinct from 续保 (renew) and 投保 (take out a policy).