Is there a difference between the social security paid by the company and the life insurance bought by the company and the rural medical insurance?

First of all, I will distinguish between social security and commercial insurance. The social security paid by the company you mentioned is five insurances (pension, medical care, work injury, unemployment and maternity) and the new rural cooperative medical system. The former is urban workers' insurance and the latter is urban residents' medical insurance, both of which belong to social insurance and are the welfare guarantee of the state to the people!

The former has a higher reimbursement rate, while the latter has a lower reimbursement rate. If you buy both, you can only be reimbursed once for hospitalization, and you can't be reimbursed twice. So if you buy medical insurance for urban workers, residents' medical insurance can be exempted. Similarly, if the employee pension and the resident pension are paid at the same time, you can only get one in the end, and you can't stack them!

Then, for the employee medical insurance and rural cooperative medical care you mentioned, I will call it social security for short, just compare it with the life insurance you bought!

Variance 1: payment is different.

As long as the money is in the social security fund, it can't be collected. Social security requires a minimum payment of 65,438+05 years. Social security protects itself. If you die before the retirement age, you will have no money. If you die after retirement age, you will not be able to receive any other money except the pension you have already received.

The payment period of commercial insurance is self-determined, generally 3, 5, 10, 15, 20, 30 years. If you want to surrender, you can get the cash value of the policy. If you die, the insurance company will pay the death compensation to the designated or legal beneficiary and leave a security fund for your family.

Difference 2: the content of protection is different.

Social security is only the basic guarantee. It is a kind of social welfare given by the state to the people, but it is not omnipotent. We can only guarantee our basic living standards and basic medical care. Commercial insurance is a supplement. When you get old, you can still have financial freedom and your quality of life will not change. In case of serious illness, you can have more cash to solve the huge medical expenses. Just like the country has nine-year compulsory education now, why do people go to college at their own expense?

Difference 3: Different insurance methods.

For adults, first buy social security and then insurance, and then you can choose to buy some commercial insurance as a supplement. Because social security is the foundation and commercial insurance is the supplement. There are some basic principles for buying commercial insurance, such as adults before children, security before financial management. It is very necessary to understand and follow these principles. Buy commercial insurance (no matter what kind of insurance), the sooner you buy it, the better, because it has a law: in the case of the same amount of protection, the premium paid will increase with the age of participation.

Difference 4: The content of compensation is different.

Social security is characterized by "low security and wide coverage". Social security medical expenses have a threshold line and an upper limit line, and the reimbursement is incomplete. Some imported drugs, good drugs and expensive drugs are not included in the reimbursement scope. Commercial insurance, on the other hand, is different, such as critical illness insurance. If it is diagnosed as a major disease agreed in the contract, it will pay the insured amount. In terms of old-age care, social security is paid according to the living standard and payment period at that time. Live as long as you want, earn if you live long, and lose if you live short. If you want to receive a pension, you must pay a premium of 15 years. Commercial insurance is how much to pay, how much to insure, and the death is guaranteed.

Regarding the relationship between social basic medical insurance system and commercial critical illness insurance, health insurance experts describe it this way: "Social basic medical insurance is like a brake, and commercial health insurance is a seat belt and a favorable supplement to the medical insurance system. No one will not need a seat belt because he has a brake, and no one will have a seat belt without a brake. This is a fact. "

Social security has food and clothing, and commercial insurance has food and clothing. Commercial insurance is the best supplement to social security. A complete family security plan cannot be without social security and commercial insurance.

Difference 5: Similarities and differences between social security and commercial insurance.

1 social security contributions will increase irregularly, while commercial insurance contributions are fixed, such as critical illness insurance.

Social security pensions have no beneficiaries. If there is an accident in the middle, you may pay more than you receive. In most cases (except surrender), commercial insurance takes more money than compensation, and even if it does not receive the prescribed number of years, future generations can inherit the death insurance money.

Social security medical care will not reimburse the death caused by ordinary accidents, while commercial insurance will compensate according to the contract.

For major diseases, social security medical care can only be reimbursed with invoices after discharge, while commercial insurance can be compensated according to the amount agreed in the contract as long as it is confirmed by the hospital and proved by the hospital.

Social security only pays the money, funeral expenses and pension in the personal account of accidental death, and there is no other compensation. Commercial insurance, however, pays as much as you buy.

different

First, what our company usually buys is called social security, including unemployment, pension, accidents, diseases and so on. But these are only the minimum social security. Leave this company, don't find another company to buy it, or break off diplomatic relations. The minimum social security should be 15 years.

Second, the insurance bought in the new countryside is called the new rural cooperative medical system, which is also a collateral branch of social security, belonging to urban and rural social security, that is, the new rural cooperative medical system merged with the previous urban residents' social security.

Third, commercial insurance, which belongs to individual purchase, is divided into pension, illness, accident and financial management. You can freely choose the insurance that suits you and let your needs buy it. The choice is wider.

Is there a difference between the social security paid by the company and the life insurance bought by the company and the rural medical insurance?

It's so different, so different:

1, social security is an important part of the social security system and occupies a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility.

2. Commercial insurance (including life insurance bought by oneself) The business entity of commercial insurance is a commercial insurance company. The insured shall pay the insurance premium to the insurance company in accordance with the contract, and the insurance company shall be liable for the property losses caused by the possible accidents agreed in the contract.

3. Affiliation The rural medical insurance you mentioned belongs to a kind of social security. Now it's called medical insurance for urban and rural residents. The social security paid by the company is the social security of urban workers. If you pay social security for employees, you don't have to pay it, because you can't enjoy it at the same time.

Commercial insurance (life insurance, critical illness insurance, medical insurance, etc.). ) does not conflict with social security, and both parties can enjoy it at the same time. Of course, compensation insurance requires social security to be reimbursed first, and commercial insurance to be reimbursed first. Other insurances can be superimposed. Buy too much and lose too much. For example, if a person is seriously ill, the cost of the hospital is 80,000 yuan. If this person has social security and bought 500,000 complete commercial medical insurance and critical illness insurance, he won't have to pay 80,000 by himself, and he can get an extra 500,000.

So that's why we need both social security and commercial insurance.

I won't go into details one by one. Compared with the new rural cooperative medical system, the reimbursement rate of the new rural cooperative medical system is higher in hospitals below the county level, about 90%. Above the county level, the new rural cooperative medical system will reduce the proportion, and may only be reimbursed by about 50%. Social security is relatively stable, with little reduction. According to different cities, the reimbursement ratio is around 70-90. In the case of commercial insurance, one is that the medical insurance and the new rural cooperative medical system are not reimbursed, and all commercial insurance is reimbursed. Another is to give you a certain amount at one time.