From social security to commercial insurance, what pictures do we usually use to illustrate it?

Social security is the basic welfare of the country. Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

Commercial insurance is a kind of business behavior. Insurance operators are independent in accounting, operating independently and taking responsibility for their own profits and losses. Social insurance is a national social security system, which aims to provide people with basic living security, backed by national financial support. The coverage of commercial insurance shall be determined by the applicant, the insured and the insurance company through consultation. Under different insurance contracts and different types of insurance, the coverage and level of the insured are different, while the coverage of social insurance is generally stipulated by the state in advance, with narrow risk coverage and low level of protection, which is determined by the nature of social security. Commercial insurance follows the principle of equality and voluntariness. Whether to establish an insurance relationship is entirely up to the insured, and social insurance is compulsory. All citizens or workers who meet the statutory conditions are directly required by the state legislation to pay insurance premiums and receive protection. Commercial insurance has the characteristics of strong professionalism and flexible mechanism. All kinds of accident, medical, serious illness and annuity insurance provided by commercial insurance can meet people's diverse needs.

The difference between social security and commercial insurance;

1, with different properties. Social security is the welfare given by the state to users, the most basic guarantee, and has certain compulsion; Commercial insurance is essentially a commercial activity, which is purchased voluntarily by users according to their own needs and economic ability, and can be used as a supplement to social security.

2. The coverage is different. Social security coverage has certain limitations. For example, social security such as inspection and treatment of large medical equipment is not reimbursed. At this time, commercial insurance is needed to play a role and the protection is more comprehensive. Some major diseases and targeted drugs can be reimbursed.

3. Different expenses and reimbursement amounts. Take medical insurance in social security as an example. Generally, 70% can be reimbursed, but the medical expenses that can be reimbursed must meet the deductible standard, which is relatively lower than the reimbursement amount of commercial insurance. Of course, the cost of social security payment is much lower than that of commercial insurance.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.