The difference between commercial social security and social security

There are differences between commercial social security and employee social security:

Difference 1: Voluntary principle

Employee social security is a kind of national welfare, which is compulsory to pay;

Commercial insurance is a personal behavior and can be purchased voluntarily;

Difference 2: This term is optional.

Social security must be paid for a certain number of years before it can be used or collected;

The payment period of commercial insurance is flexible, including 3 years, 5 years, 10 years, 20 years ... the length of time is determined by the insured;

Difference 3: the amount is controllable.

In the composition of employee social security, the pension individual pays 8%, the medical insurance individual pays 2%, and the unemployed individual pays 1%. With the increase of salary, the amount of payment also increases accordingly.

Commercial insurance is approved according to gender, age and other conditions. If the amount of the same type of insurance products is different, you can choose the payment amount and insurance amount according to your actual situation. More work and more gains, less work and less gains.

Difference 4: The duration is adjustable.

Employees' social security time is lifelong, and the longer they live, the more they will benefit;

The duration of commercial insurance protection can be selected, such as short-term 1 year, medium-and long-term 20-30 years, and long-term lifelong;

Difference 5: wide coverage of accidents

The accident protection items of employee social security correspond to industrial injury insurance and medical insurance. Industrial injury insurance is only for the company and on the way to and from work, and it is not responsible for other trips, such as business trips or accidents at home. However, when you go to see a doctor, you can swipe your medical insurance card to help individuals pay part of their medical insurance, and you can't reimburse them.

There are many kinds of accidents covered by commercial insurance, and the items covered and not covered by social security are reflected in the insurance liability of commercial insurance. The part of the treatment fee exceeding 100 yuan can be reimbursed in a certain proportion according to the policy.

Difference 6: medical pertinence

Employee social security can be reimbursed by invoice, but there are upper and lower limits. After excluding the self-funded part, the medical expenses in social security are reimbursed according to a certain proportion within the reimbursable amount, which is more cost-effective than self-funded and commercial insurance;

The medical insurance of commercial insurance is targeted, and the reimbursement of minor hospitalization and social security complement each other, and the rest can be reimbursed after social security reimbursement; After the diagnosis of a serious illness, reimbursement and advance payment can be made according to the proportion stipulated in the policy with the medical certificate, which can reduce most of the burden of medical expenses;

Difference 7: hospitalization is subsidized.

There is no hospitalization subsidy for employee social security;

Commercial insurance includes hospitalization allowance, ranging from 50 yuan to one day in 200 yuan, which can be offset as nutrition fee, bed fee and self-funded medication;

Difference 8: The family died in Ze.

Endowment insurance and medical insurance in employee social security projects can be inherited according to the residual value of individual accounts and the limit of funeral expenses of the parties concerned, and are basically not left to family members;

Commercial insurance stipulates that no matter how long the payment is made, as long as they die during the insurance period, they will pay high compensation according to the proportion stipulated in the policy. Hui Ze families;

Difference 9: Exemption from special tariffs

Employee social security does not have exemption function;

There is a special exemption function in commercial insurance. For example, the insured suffers from serious illness during the payment period, and after paying according to the policy contract, he can be exempted from paying the remaining premium, but the policy benefits he enjoys remain unchanged;

Difference 10: flexible implementation

The realizable items in workers' social security are embodied in endowment insurance. You must pay 15 years before you can get it after retirement. It is illegal to cash out through medical insurance. Don't do it.

Most commercial insurance products can be used as policy mortgage loans to withdraw cash for emergencies, or to apply for reducing the premium amount.

If you have any other insurance questions, please come: protect more fish and talk about insurance.