What is the difference between commercial medical insurance and social medical insurance

The difference between social medical insurance and commercial medical insurance includes the following three aspects:

One, mandatory different.

Social medical insurance is mandatory, by the employer and employee in accordance with state regulations *** with the payment of basic medical insurance premiums.

The People's Republic of China *** and the State Social Insurance Law, Article 23 of the employees should participate in the basic medical insurance, by the employer and employees in accordance with state regulations *** with the payment of basic medical insurance premiums.

Individual entrepreneurs without employees, part-time workers who do not participate in the basic medical insurance for employees at their employers, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.

Commercial medical insurance is not mandatory, commercial medical insurance is an integral part of the medical security system, units and individuals to participate voluntarily.

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The second, the insurance object and role is different.

Commercial medical insurance to natural persons as the object of insurance, its role is when the insured citizens due to accidental injury or illness and medical expenses, can obtain a certain amount of financial compensation to mitigate the loss, but not to protect the basic life of the insured, and does not have to maintain the role of social justice;

Social medical insurance is mainly to the laborers as the object of insurance, when the laborers due to illness and medical expenses. When workers incur medical expenses due to illness, they are given basic compensation by the social insurance department or its entrusted units, which is conducive to social stability and the maintenance of social equity, and is in fact an aspect of the redistribution of national income.

Third, the two rights and obligations are different.

The rights and obligations of commercial medical insurance are based on the contractual relationship, the amount of insurance depends on the amount of premiums paid, i.e., the relationship between the insurance company and the policyholder's rights and obligations is a kind of exchange of reciprocal relationship, which is manifested in the form of more insurance, fewer insurance, no insurance.

The right and obligation relationship of social health insurance is built on the labor relationship, as long as the workers fulfill their obligation to work for the society, they can enjoy the social health insurance treatment, and the insurance payment and the amount of premiums paid are not in positive proportion, i.e., the relationship between the right and the obligation is not reciprocal.

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