What are the identities of the insured?

Take social security as an example, because social security is divided into two categories: urban and rural social security and employee social security, there are three kinds of insured identities: urban residents, rural residents and employees.

Rural residents, urban non-employed residents (including primary and secondary school students, preschool children), college students, newborns and flexible employees who have not participated in the basic medical insurance for urban workers can participate in social security for urban and rural residents at their domicile or residence or school. For on-the-job employees, employers need to pay employee social security for them. There are still many details to pay attention to in social security. I suggest you read this article to learn more: What is the use of social security? Social security? Income? How high is it? Why pay social security?

In the case of commercial insurance, identity involves the applicant and the insured. The applicant refers to the individual who has the obligation to pay for the insurance, while the insured refers to the person who has the right to claim the insurance money. When filling in, we only need to fill in according to our actual status.

For example, if you buy commercial insurance for yourself, then both the applicant and the insured write their own names and provide their own identity information; If you insure your family, such as children, then the applicant writes his own name and the insured writes the child's name. Sister Xue has compiled a summary of insurance knowledge to help you understand the difference between the insured party and other insurance concepts. Friends who don't understand can go and have a look: super full! Everything you want to know about insurance is here!

Why buy commercial insurance when you have social security?

In fact, social security only provides citizens with the most basic protection and has limitations. For example, medical insurance is limited by three categories of medical insurance: deductible line, capping line and reimbursement ratio. After the medical expenses of hospitalization are reimbursed by medical insurance, some of them may have to be borne by themselves. With commercial medical insurance, more reasonable medical expenses can be reimbursed.

Therefore, if you want to get more comprehensive protection against diseases, medical care and accidents, you can supplement it by purchasing appropriate commercial insurance and improve the security system. If you don't understand, you can read this article again to understand the difference between social security and commercial insurance: with social security, you don't have to buy commercial insurance? What's the difference between social security and commercial insurance?

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