What is the place of commercial insurance in the social security system

Commercial insurance is what the social security system is.

The main content of social security:

Endowment insurance: endowment insurance is a social insurance system in which workers receive certain economic compensation and material help and services from the society after reaching the statutory retirement age;

Recently, Li Jinghu, deputy secretary-general of the China Medical Insurance Research Association and deputy director of the Social Security Research Institute of the Ministry of Human Resources and Social Security, said that private medical institutions are treated equally, and are included in the designated scope of basic medical insurance according to certain conditions. The basic medical insurance system for urban workers is a social insurance system established to ensure the basic medical needs of employees based on the affordability of finance, enterprises and individuals.

Work-related injury insurance: Work-related injury insurance is also known as occupational injury insurance. After a worker is injured in an accident due to work reasons and in the course of work, or suffers an occupational disease caused by exposure to occupational hazards such as dust, radiation, and toxic substances, the State and society shall provide necessary material assistance to the injured or disabled person, as well as the relatives of the deceased person who supported him before his death;

Maternity insurance: Maternity insurance is based on the physiological characteristics of childbirth behavior, according to the law of maternity insurance, when working women temporarily interrupt their work and lose their normal income due to the birth of children, the material assistance provided by the state or society. Maternity insurance benefits include maternity allowance and maternity medical services.

Supplementation and strengthening of social security.

Commercial insurance is one of the important pillars of the social security system, an effective supplement to social security, and helps to reduce the burden of old-age care in China's social security system, and the two complement each other.

Commercial insurance is to provide protection to consumers for the purpose of profit, while social insurance in the social security system is not for the purpose of profit, such as flash insurance, assistance, subsidies, etc., the latter provides certain limitations to the protection of the insured, through commercial insurance can be supplemented, improve the protection, so that the protection is more comprehensive.

Commercial insurance is one of the important pillars of the social security system. Commercial insurance has the function of economic compensation in China's social security system, and also has the functions of financing and operation. Social insurance only plays the role of basic protection, while commercial insurance can play a role in supplementing protection.

Commercial insurance provides pension, health and other guarantees for working people. Pension insurance and health insurance are the focus of the development of commercial insurance, and a total of five pension insurance companies and four health insurance companies have been approved by the China Insurance Regulatory Commission.

Commercial insurance companies have also received strong support and guidance from the CIRC. Chinese Shoushutong has become a vice-ministerial-level central enterprise, which is inseparable from the policy support of the state. China has made great attempts on the road of exploration of commercial insurance, and compared with developed countries, commercial insurance still has a long way to go.

China's social security mechanism and medical and health mechanism are not perfect, and there is still a lot of room for improvement in commercial pension and medical insurance. With the aging of society is becoming more and more serious, China's pension is slowly decreasing, relying only on social security can not solve the problem of social aging, the need for social security and commercial insurance to work together.

The number of rural migrant workers moving into cities has surged, the number of landless people has been increasing, and the number of left-behind children in China is also increasing. There is no education insurance in social insurance, and only commercial insurance can solve this problem.

As the main content of the social security system, social insurance and commercial insurance are both means of risk management, and the purpose is to stabilize social order and ensure the steady development of the economy.

Under a certain level of economic development and economic affordability, residents' total demand for social security is certain, and the market share of social insurance and commercial insurance is in a state of decline.

However, at present, the overall level of China's economic development is low, the level of social security is far from meeting the needs of the people, and the development space of commercial insurance is huge.

First of all, commercial insurance, as the leading force of supplementary endowment insurance, is conducive to improving the overall level of the social security system of friendly sales.

Secondly, commercial insurance provides a variety of commercial pension and health insurance products and services, which is conducive to enriching the hierarchical structure of the social security system.

Thirdly, commercial insurance introduces the market mechanism into the management of basic social insurance, which is conducive to improving the operational efficiency of the social security system.

Summary. In addition to the same name, the hospitalization medical insurance of social security and the hospitalization medical insurance of commercial insurance have some similarities, such as their protection functions are the same. The hospitalization medical insurance of social security and the hospitalization medical insurance of commercial insurance are both types of insurance that provide corresponding protection for the insured person who is hospitalized due to illness or accident.

When the insured person is hospitalized, both insurances can compensate a certain percentage of the medical expenses, helping the insured to reduce the financial burden of medical hospitalization.

In addition to the same name, the hospitalization medical insurance of social security and the hospitalization medical insurance of commercial insurance have the same name, but also have some similarities, such as their protection function. The hospitalization medical insurance of social security and the combined hospitalization medical insurance of commercial insurance are both types of insurance that give corresponding protection to the insured if he is hospitalized due to illness or accident. When the insured person is hospitalized, both insurances can compensate a certain percentage of the medical expenses, helping the insured to reduce the financial burden of medical hospitalization.

The difference between social security and commercial insurance: 1. Different attributes: social security is a welfare embodiment of the state or enterprise for personal medical care and pension, which is mandatory and is a principle of social fairness and fairness for everyone. "It's a low level of protection, not a package.

Commercial insurance is a kind of personal behavior, which is voluntary, and is planned or purchased separately by individuals on the basis of social security according to their own economic ability, which is a higher-level personality living arrangement and embodiment. If you plan more, you will have more, if you plan less, you will have less, and if you don't plan, you won't. 2. The social security is a system that belongs to the social security system, and the amount of social security that needs to be paid and the final compensation amount are relatively low, which can only protect some basic diseases and life, but once there is a major illness or a major accident, which causes a heavy blow to a family, the protection of social security at this time is generally a drop in the bucket, at this time people tend to buy commercial insurance on the basis of social security, and the insurance premiums that need to be paid for commercial insurance are relatively high. Moreover, the compensation rate of the final compensation is also relatively high.

3. There are many types of commercial insurance with different rights and obligations, and the division is more detailed, but the social security protection is the basic life, the types are less, and the protection is not very comprehensive. Now buying commercial insurance has become a new way, and many people will also apply for commercial pension insurance at the same time as they have purchased endowment insurance, in order to make their later life more secure.

Summary. Commercial insurance is one of the important pillars of the social security system, an effective supplement to social security, and helps to reduce the burden of old-age in China's social security system, and the two complement each other. Commercial insurance is to provide protection to consumers for the purpose of profit, while social insurance, assistance, subsidies, etc. in the social security system are not for the purpose of profit, the latter provides certain limitations to the insured, through commercial insurance can be supplemented, improve the protection, so that the protection is more comprehensive.

Commercial insurance is one of the important pillars of the social security system.

Commercial insurance is one of the important pillars of the social security system, an effective supplement to social security, and helps to reduce the burden of old-age care in China's social security system. The commercial insurance is to provide protection to consumers for the purpose of profit, and the social insurance, assistance, subsidies, etc. in the social security system are not for the purpose of profit, the latter provides certain limitations to the protection of the insured, through commercial insurance can be supplemented, improve the protection, so that the protection is more comprehensive.

1. China's multi-level social security system is constantly improving, and commercial insurance, as an important part of it, its status and role cannot be ignored, and will be further reflected.

2. Commercial insurance is an important part of the social security system.

3. The social security system involves the interests of each of our social citizens, therefore, its development should also closely follow the development of the times, and constantly meet the needs of diversity and multi-level, and all of this requires the participation and operation of commercial insurance. Only a perfect social security system can promote all-round economic and social development, and it should be fair and just for everyone, but as far as China's basic national conditions are concerned, social insurance can only meet the basic security needs of members of society. Commercial insurance, because of its profit-making characteristics, can reflect efficiency to a large extent, and it can meet more needs of members of society on the basis of social insurance.

4. The maintenance and regulation of the commercial insurance mechanism on the social and economic operation has further improved China's social security system.

5. The infinite cycle of production, distribution, exchange and consumption constitutes the dynamic process of social reproduction. The interruption of any of these links due to a risk accident will bring social reproduction to a standstill. With the help of its economic compensation, commercial insurance can guarantee or timely restore the operation of social reproduction, and maintain the continuity of social reproduction in time and the balance of space in China's social reproduction.

Through the adjustment of China's social and economic resource allocation and the regulation of the capital market, the commercial insurance mechanism promotes the rational flow of resources in all fields of social production, realizes the efficiency optimization of resource allocation, ensures the economic development of funds, and supports economic construction. It has created a stable and safe environment for production and life. The role of the commercial insurance mechanism in the maintenance and regulation of China's social and economic operation has effectively promoted the sustained and rapid development of China's social economy, and the economic development will inevitably lead to the overall improvement of the commercial insurance and social security system.

6. Financial integration and operation institutions.

7. In addition to the general economic compensation function, commercial insurance also has its own unique function, that is, the financing and operation of funds. For a long time, China has invested a lot of money in social security expenditure, but in terms of the current situation, it still cannot meet the demand for funds in China's social insurance, and the long-term low investment income of social security funds is an important factor causing this problem. Because as far as social security is concerned, the cost of its direct investment operation is higher, and the operation channels are relatively narrow, and the investment method is more stable, so the income is lower, and the commercial insurance for the financing and operation of funds has greatly accelerated the flow of funds, and the operation channels are diverse, which greatly reduces the financing cost and supplements the defects of low efficiency in the operation of social security funds.

1. All need to pay the corresponding finch wheel insurance premium. Whether it is commercial insurance or social insurance, a certain premium will be charged to the policyholder.

2. They can provide insurance to resist risks. The essence of social insurance and commercial insurance is insurance, which can provide protection for enterprises or individuals, and provide economic compensation to make up for losses in the event of a storm and oak credit insurance.

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1. Option D Social insurance does not have an insurance contract for the purpose of social stability, which is non-profit, and commercial insurance is for the purpose of profit. Regardless of social insurance or commercial life insurance, they all protect the insured from receiving certain compensation after encountering risks, so they all serve the insured group, and strive to protect the insured from risks. This is one of the commonalities between the two.

2. Meaning. Social insurance: Social insurance refers to the system in which the state compulsorily establishes social insurance through vertical belt legislation, and provides necessary material assistance to workers participating in labor relations when they lose their ability to work or become unemployed. Social insurance is not for profit.

Commercial insurance: Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract for the purpose of profit, and is operated by specialized insurance companies. The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, in which the policyholder pays insurance premiums to the insurance company according to the contract, and the insurance company bears the responsibility of compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the agreed age and period.

3. Similarities and differences between social insurance and commercial insurance:

1.Social insurance is mandatory, while commercial insurance is voluntary, so the underwriting is different.

2.Social security is protection, and commercial insurance is profit, so the nature is different.

3.One is run by the state and the other is run by the company, so the subjects are different.

4.Both have the same mathematical basis.