What does political and business insurance cover?

What are the advantages of participating in commercial insurance? Problems in economic, political and social books.

Hello!

Simply put, insurance means preparing for the future now, preparing for the future when you have money, preparing for old age when you are young, and preparing for unhealthy when you are healthy. Everyone needs insurance protection to help us prepare as much as possible when dangers and storms come.

For individuals, social security is the most basic guarantee. It is suggested to buy social security first, and then consider supplementing commercial insurance when the economic conditions are met.

You can have a look: You can have a look: How to plan insurance for yourself in wenku.baidu/...f?

Insurance needs to be prepared for a rainy day, and life is priceless, so I suggest that you should investigate your actual situation and make a detailed comparative consultation with insurance companies or some professional online insurance platforms.

Senior one politics: Does anyone know what the main function of insurance is?

Hello,

Insurance is:

Use everyone's strength to prevent lifelong risks at the least cost. ※

Semi-compulsory savings to ensure the best long-term interest rate. ※

Help us shoulder the burden of family and children with negligible investment. ※

Guarantee future retirement and medical expenses. ※

The cash value of the policy can be lent or withdrawn flexibly. ※

Save taxes and ensure that assets are completely transferred to the next generation. ※

Protect personal dignity at the end of life. ※

Insurance is a financial transfer method to transfer risks. It is to set up funds for a large number of homogeneous risk factors in the form of money to provide recovery funds for sudden risk losses. His role can be divided into two categories: macro role and micro role. The macro function is to ensure social stability, and the micro function is to restore the insured to the economic state before the accident as soon as possible.

Why can commercial insurance effectively avoid the risks in high school politics? Commercial insurance includes property insurance and personal insurance.

No one can stop the risk, but the risk comes. What should I do if I die, leaving my wife and children? What should I do if I am hospitalized with disability but there is no treatment fee?

Many diseases can be treated now, but there are still many people who give up treatment because they have no money.

What's the difference between social insurance and commercial insurance?

With the further deepening of China's economic system reform, the word insurance has become well known. The so-called "labor insurance" in the past has been gradually replaced by the "social insurance" now. At the same time, the word "commercial insurance" quickly spread among the people. However, quite a few people don't know what "social insurance" is. What is "commercial insurance"? What are the connections and differences between them?

What we call social insurance and commercial insurance mainly refers to personal insurance. The relations and differences between them are mainly manifested in the following aspects-

Relationship:

The subject matter of social insurance and commercial insurance is personal insurance, and commercial insurance is the supplementary insurance of social insurance. There are many connections between them.

1. Whether it is social insurance or commercial life insurance, the insured can get some compensation after encountering risks, so they all serve the insurance group and try their best to protect the insured from risks.

2. Social insurance and commercial life insurance require the insured to pay the insurance premium in advance as a prerequisite for the insured to enjoy the insurance benefits. As we all know, commercial life insurance is based on "fixed income", while social insurance is based on "payment-determined" endowment insurance, which also requires the insured to pay the premium before it can benefit.

3. Establishing insurance fund and putting it into market operation constitutes the third link of social insurance and commercial insurance, and this activity of commercial insurance is very distinct. The implementation of the "personal account" system for old-age insurance is equally clear. Even for social insurance under the planned economy system, basic funds should be established and put into operation, although it is strictly limited.

4. Because social insurance and commercial life insurance are both activities to resist risks, their methods and techniques for predicting risks, the knowledge and skill structure required by staff and even professional terms are very similar.

5. The activities and functions of social insurance and commercial life insurance complement each other. The function of social insurance against risks is basic, and commercial life insurance plays an auxiliary and supplementary role.

The main differences between social insurance and commercial insurance;

Although there are many similarities between social insurance and commercial insurance, there are great differences after all-

1, different actors. Social insurance belongs to * * * behavior, and the insurer is a state organ. * * * is not only the advocate, organizer and executor of social insurance, but also its strong backing, that is, once the social insurance can't make ends meet and there is a serious deficit, * * * must try every means to make up for it in advance to protect the rights and interests of the insured and maintain social stability. Commercial life insurance is purely an enterprise behavior, and the insurer is an insurance company. It pays attention to "high profits, more in and less out" and maintains a relationship with the insured without any political color.

2. pursue different goals. Social insurance takes the national social policy as its starting point and destination, and aims at ensuring the stability of the whole society and achieving long-term stability. Commercial life insurance pursues profit maximization and always takes profit maximization as its business goal.

3. Different means of implementation. Social insurance is compulsory in accordance with the law, forcing all employers and their employees to pay social insurance premiums in full and on time, otherwise they will be fined for late fees, and serious cases will be brought to justice without ambiguity. Commercial life insurance, on the other hand, is a pure commercial activity, strictly implementing the principle of free trade and equal exchange, and taking out insurance voluntarily. Its scope is quite extensive, as long as it meets the underwriting conditions and specific premium affordability of insurance companies, it can participate, without any mandatory color.

4. The reliability is different. The payment of social insurance benefits is the most reliable, and it is guaranteed to be paid in full and on time every year, because it is a * * * behavior; Commercial life insurance can't do this. Of course, China's Insurance Law clearly stipulates that "an insurance company with life insurance shall not fail", so it is impossible for an insurance company with life insurance to fail in China.

5. The exchange principle is different. Social insurance implements the principle of mutual assistance, emphasizing mutual assistance among workers, that is, rich areas help poor areas, high-income people help low-income people, and employed people help the unemployed. Commercial life insurance implements commodity equivalence of no investment, no insurance, less investment and less insurance, and more investment and more insurance.

6. The calculation and source of insurance premium are different. Since 1996, China's social insurance premiums have been calculated and sourced by saving, and the system of combining individual accounts with social pooling has been implemented, which is shared by the state, enterprises and individuals, stored in special accounts and managed in a unified way, but it still has certain randomness and instability. ......

Urgent! ! College entrance examination politics! What does industrial injury insurance belong to? Social insurance, commercial insurance or other categories?

Work-related injuries belong to labor insurance.

What are the differences and connections between social insurance and commercial insurance?

Social insurance and commercial insurance are both related and essentially different. Functionally, both of them are social risk resolution mechanisms. Social insurance is the main body of multi-level social insurance system, and commercial insurance can be used as a supplement to social insurance and is an integral part of multi-level social insurance system.

There are essential differences between social insurance and commercial insurance: First, they are different in nature. Social insurance is enforced by national legislation, which belongs to * * * behavior, is a welfare undertaking and has a non-profit nature. Commercial insurance is a kind of commercial behavior, and the relationship between the insurer and the insured is completely voluntary. Having the nature of taking profit as the purpose; Second, the purpose is different. Social insurance is not for profit, its starting point is to protect the basic livelihood of workers, maintain social stability and promote economic development. The fundamental purpose of commercial insurance is to obtain profits, but only on this premise can the insured be given economic compensation; Third, the sources of funds are different. Social insurance is borne by the state, employers and individuals. Commercial insurance is entirely borne by the insured person; Fourth, the level of treatment is different. Starting from stabilizing society, social insurance focuses on the protection of long-term basic life, and should be adjusted and gradually improved with the rise of prices. Commercial insurance focuses on one-time economic compensation. Fifth, * * * has different responsibilities. Social insurance is a basic right enjoyed by citizens. * * * Take the ultimate responsibility for society. Commercial insurance is restricted by the market competition mechanism, and * * * mainly regulates commercial insurance according to law to protect the interests of investors.

The main differences between social insurance and commercial insurance are:

1, achieving different purposes. Social insurance is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profit;

2, the implementation is different. Social insurance is compulsory according to national legislation, while commercial insurance follows the principle of "freedom of contract" and is voluntarily insured by enterprises and individuals;

3. The subject and object of implementation are different. Social insurance is raised, managed and distributed by special institutions set up by the state, targeting social members within the legal scope; Commercial insurance is managed by insurance companies, and the applicant can be anyone who meets the underwriting conditions;

Through the above analysis, there are essential differences between social insurance and commercial insurance.

What kind of investment is insurance? (Senior One Politics)

Buying commercial insurance is a way to avoid risks, or an investment to avoid risks.

In addition, savings deposit is a convenient investment; Stock is a high-risk and high-return investment; Bonds are a reliable investment.

What are policy insurance and commercial insurance?

Commercial insurance refers to the form of for-profit insurance operated by professional insurance enterprises. The commercial insurance relationship is a contractual relationship entered into by the parties voluntarily. The insured pays the insurance premium to the insurance company according to the contract. When the insured dies, is disabled, falls ill or reaches the agreed age and time limit, the insurance company shall be liable for compensation for property losses.

Policy insurance is an insurance that is operated by applying the principles of commercial insurance and giving supportive policies for a certain policy purpose.

Policy insurance generally has the characteristics of non-profit, subsidy tax exemption and legislative protection. Policy insurance includes social policy insurance and economic policy insurance. Social policy insurance is social insurance, which is run by the state to stabilize social order and implement the principle of social equity, and has certain political significance.

What kinds of insurance are there?

Best answer

Auto insurance (auto insurance, property insurance)

Life insurance (dividend insurance, universal insurance) (term, life) (children, adults), etc.

Health insurance (accident insurance, critical illness insurance, hospitalization, accidental medical treatment, etc.). )

endowment insurance

Strictly speaking, if it is a big aspect, it is naturally divided into social insurance and commercial insurance.

Social insurance includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

As for commercial insurance, China's classification method is divided into property insurance and personal insurance (while foreign countries generally divide it into life insurance and non-life insurance).

Property insurance is divided into three categories: property loss insurance, liability insurance and credit guarantee insurance.

Further subdivision can be divided into A. Property insurance

Insurance companies cover direct economic losses caused by fires and other natural disasters and accidents. The types of insurance mainly include enterprise property insurance, family property insurance, family property endowment insurance (only the paid interest is used as the insurance premium, and all the principal will be returned at the expiration of the insurance period), foreign-related property insurance and other property types that the insurance company considers suitable for opening.

B. cargo transportation insurance

Refers to the property losses caused by natural disasters and accidents during the transportation of goods insured by the insurer. The types of insurance mainly include domestic cargo transportation insurance, domestic air transportation insurance, foreign-related (land, sea and air) cargo transportation insurance, postal parcel insurance, various additional risks and special insurance.

C. Means of transport insurance

Refers to the insurer's coverage of losses and third-party liabilities caused by natural disasters and accidents. The types of insurance mainly include automobile insurance, motor vehicle insurance, ship insurance, aircraft insurance and other means of transport insurance.

D. Agricultural insurance

Refers to the losses caused by natural disasters or accidents in the process of planting, breeding, breeding and fishery production.

E. engineering insurance

Refers to the losses caused by the comprehensive risks of Sino-foreign joint ventures, imported technology projects, various professional projects related to foreign trade and domestic construction and installation projects. The types of insurance mainly include all risks of construction engineering, all risks of installation engineering, mechanical damage insurance, domestic construction and installation engineering insurance, ship construction insurance and other industrial insurance underwritten by insurance companies.

F. Liability insurance refers to the types of insurance that the insurer underwrites the civil damages of the insured, including public liability insurance, third party liability insurance, product liability insurance, employer liability insurance and professional liability insurance.

G. Guaranteed insurance

Refers to the credit insurance underwritten by the insurer, and the insurance that the insured insures his own credit according to the requirements of the obligee is guaranteed insurance; The insurance that the creditor requires the guarantor to credit is credit insurance. Including contract guarantee insurance, fidelity bond, product guarantee insurance, commercial credit guarantee insurance, export credit insurance and investment (political risk) insurance.

The classification of life insurance is as follows

(1) Classification by insurance liability

According to different insurance responsibilities, life insurance can be divided into life insurance, personal accident insurance insurance and health insurance.

1, life insurance

Life is a person's life, and life insurance is a life insurance with the insured's life as the insurance occasion and the insured's survival or death as the insurance accident. In practice, people are used to dividing life insurance into term life insurance, whole life insurance, endowment insurance and annuity insurance. Life insurance is the most important part of life insurance.

2. personal accident insurance

Personal accident insurance is called accident insurance for short. Accidental injury refers to the objective fact that people suddenly have obvious violence against the body of the insured by foreign harmful substances without foreseeing or violating the wishes of the insured. Accidental injury insurance is a personal insurance in which the death or disability of the insured due to accidental injury is the insured accident. In all life insurance businesses, accidental injury insurance accounts for a small proportion, but because the premium is relatively low, you can get high protection by paying a small amount of premium, and it is simple and does not require physical examination, so many people take out insurance, such as travel accident insurance and aviation accident insurance.

3. Health insurance

Health insurance is a kind of personal insurance that takes the insured's body as the insurance object to ensure that the insured can get compensation for the expenses or losses caused by diseases or accidents, including serious illness insurance, hospitalization insurance, surgery insurance, accidental injury insurance and income loss insurance.

(2) Classification by insurance period

According to the classification of insurance period, life insurance can be divided into long-term business with insurance period exceeding 1 year and short-term business with insurance period below 1 year (inclusive). Among them, life insurance ......