What's the difference between commercial insurance and social insurance? How much do you pay each month?

Social security aims to provide citizens with basic living security, while commercial insurance provides high security in different aspects according to customers' needs, giving customers all-round protection in a more comprehensive way. Commercial insurance is the best supplement to social security. A complete family security plan requires both social security and commercial insurance.

Social security commercial insurance

1, no life insurance. 1, the embodiment of life value

2. There is no investment function. 2. The principal is safe and has added value.

3. There is no loan function. A loan can be used for two purposes.

4. There is no elastic exit. 4. You can withdraw cash in advance as needed.

5. There is no premium exemption. 5. Contingent premium exemption.

6. I'm not sure I received it. 6. Receive living expenses on a regular basis

7. Inelastic payment. 7. Optional payment period

8. Failure to pay in advance. 8. Compensation for diagnosis of serious illness.

9. No hospitalization allowance. 9. Hospitalization nutrition expenses

Social security seven regardless

1, medical treatment in different places, not common.

2. Maximum compensation for hospitalization 15 days;

3. Do not consider accidents, including traffic accidents;

4. Regardless of the liability of the third party;

5, regardless of class C drugs;

6. Regardless of hospitalization expenses1within 500 yuan;

7, died before the age of 60, only 4 thousand funeral expenses.

The difference between social security and commercial insurance

Keywords: 1: voluntary principle

Social security is a kind of national welfare, and it is compulsory to pay.

Commercial insurance is a personal act and can be purchased voluntarily.

Keyword 2: Optional terms

Social security must be paid for a certain number of years before it can be used or collected. Work injury, maternity and unemployment insurance are all for one year, and endowment insurance is 15 years. Women pay medical insurance for 20 years, and men pay for 25 years, which can benefit for life.

The payment period of commercial insurance is flexible, and the length of time is up to you, such as 3 years, 5 years, 10 years, 20 years.

Keyword 3: controllable quantity

In the composition of social security, the pension individual pays 8%, the medical insurance individual pays 2%, and the unemployed individual pays 1%. As the salary increases, the amount paid increases accordingly.

Commercial insurance is approved according to gender, age and other conditions. 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.

Keyword 4: adjustable duration

The time of social security is lifelong, and the longer you live, the more you will benefit.

The term of commercial insurance can be selected, such as short term 1 year, medium and long term 20-30 years, and long term life.

Keyword 5: Wide coverage of accidents

The social security items of accidental injury protection 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.

Commercial insurance covers many kinds of accidents, and social insurance and non-insurance items are reflected in the insurance liability of commercial insurance. The part of the treatment fee exceeding 100 yuan can be reimbursed according to a certain proportion (generally 80%) according to the policy.

Keyword six: medical pertinence

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 more cost-effective than self-funded and commercial insurance.

Commercial medical insurance is targeted, reimbursement for minors in hospital and social security complement each other, and the rest can be reimbursed after social security reimbursement; After the diagnosis of a serious illness, you can pay in advance according to the proportion stipulated in the policy with the diagnosis certificate, which can reduce most of the burden of medical expenses.

Keywords: 7: Hospitalization allowance

Social security has no hospitalization allowance.

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.

Keyword 8: Family members who died in Ze.

Endowment insurance and medical insurance in 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 in accordance with the proportion stipulated in the insurance policy.

Keyword 9: Special exemption

Social security does not have the exemption function.

Commercial insurance has a special fee-free function. If the insured suffers from serious illness during the payment period, he can be exempted from paying the remaining premium after paying the fee according to the policy contract, but the policy benefits he enjoys remain unchanged.

Keywords: 10: flexible implementation

The realizable items in 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 realized as an emergency withdrawal of policy mortgage loans, or by applying for reducing the insurance premium.