For a comparison of social insurance and commercial insurance, please take a closer look at my quest

Social security is the most basic protection, and it is recommended that you pay social security first and then consider commercial insurance.

Without your details, the specific payment of social security cannot be calculated, you can call **12333 for consultation.

If you have scarce funds, you can also apply for protection commercial insurance, if you need it, you can ask me, and I will help you calculate the approximate**.

Social security is the minimum guarantee. Business depends on your income is a little low, you can get simple insurance. If you want to have a little bit of financial management and are willing to spend 3,000 or 5,000 a year, you can take out commercial insurance, and if you are very tight on money and you want to have a concept of understanding, you can extend the payment cycle to 20 years, about 1,500 a year.

See for yourself.

Hello, I am the ** sales TSR of a life insurance company, and here I would like to give my opinion.

Social insurance is a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost money due to health reasons. The social insurance program is organized by **, forcing a certain group to form social insurance ** as a part of its income as a social insurance tax (fee), and under the condition of meeting certain conditions, the insured can receive a fixed income or loss compensation from **, it is a redistribution system, its goal is to ensure the reproduction of material and labor force and social stability.

Social insurance is reimbursed on a pro-rata basis, generally not more than 80%. In addition, it is only reimbursed at public expense, such as self-financed drugs, special drugs, and imported drugs are not reimbursed.

In other words, social insurance is a kind of insurance with high coverage.

Commercial insurance refers to a form of insurance that is operated for profit through the conclusion of an insurance contract.

There are many kinds of commercial insurance, I suggest that you consider short-term accident insurance for life insurance, the rate of accident type is particularly low, the first recommended savings return type, pay 10 insurance 20 term accident insurance, if the later economy allows, you can buy some term life insurance, but also pay 10 insurance 20 mainly, these are protection insurance.

Investment insurance, for example, is universal insurance.

The social insurance you said must be paid, it should be said that there are 5 insurances and 1 housing fund, of course, these are to be paid, and then consider some protection insurance, if you feel really difficult, buy an accident insurance first.

Social security is not the same as commercial insurance. The content of social insurance is endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance, which are social welfare in nature; Commercial insurance is the insurance of life insurance and property insurance, and is the business activity of financial enterprises.

[Legal basis].

Article 2 of the Social Insurance Law of the People's Republic of China.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Article 10. Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons can participate in the basic pension insurance, and the individual shall pay the basic pension insurance premium.

Article 12 of the Insurance Law of the People's Republic of China.

The policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract.

The insured of property insurance shall have an insurable interest in the subject matter of insurance when an insurance malpractice occurs.

Life insurance is a rental loss insurance with a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance.

Social insurance is not for profit; Commercial insurance aims to maximize profits.

Social insurance is managed by the ** functional department; Commercial insurance is operated and managed by an insurance company of an enterprise nature.

Social insurance can provide basic living security for the vast majority of workers; Commercial insurance only covers some policyholders.

The funds for social insurance are jointly borne by the state, enterprises, and individuals; The funds of commercial insurance are borne by the individual alone.

The compensation treatment is different: social insurance benefits are generally paid on a monthly basis and adjusted annually with the increase of the average social wage; Commercial insurance is paid according to the principle of "more insurance, more insurance, less insurance, no insurance".

Social insurance covers all citizens or workers. Commercial insurance covers members of society who voluntarily participate.

Social insurance is stable and continuous; Commercial insurance is a one-time, short-term one.

Social insurance is guaranteed by the state, and the risk of commercial insurance is fully borne by the insurance company.

Social insurance is mandatory, while commercial insurance is not.

Social insurance has the basic nature of guaranteeing only the basic needs of life; Commercial insurance offers a variety of insurance items.

1. Social security is based on labor relations, and as long as labor relations are formed, employers must handle social security for employees, which belongs to the social security system enforced by the state. Commercial insurance is purchased voluntarily and the relationship between the two parties is established in the form of a contract.

2. Social security is managed by the first functional department, and commercial insurance is operated and managed by an insurance company of an enterprise nature;

3. Social insurance is not for profit, while commercial insurance is for profit;

4. The insurance cost of social insurance shall be borne by enterprises, individuals and the state, and the commercial insurance shall be borne by individuals;

5. The protection of social insurance is stable and continuous, and the protection of commercial insurance is one-time or short-term;

6. The insured object of social security is the laborer, subject to the qualification restrictions, the insured object of commercial insurance is anyone, as long as the insured is willing to insure, you can insure;

7. Social security is generally paid monthly, and commercial insurance will be paid according to the insured amount of the contract;

8. Social insurance is regulated by the Labor Law and its supporting regulations, and commercial insurance is regulated by the Economic Law, the Commercial Insurance Law and supporting regulations.

Social insurance is a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost their jobs due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

Comparison between social security and commercial insurance: social security is supported by the state and is a kind of social security. Commercial insurance is profit-oriented, risky, and not as convenient to use and pay as social insurance.

In addition, the social security card can be settled in real time, while commercial insurance can not be settled in real time, and there is an exemption clause for purchasing commercial insurance, which means that in some cases, no claims will be made.

[Legal basis].

Article 2 of the Law on the Rolling of Social Insurance stipulates that the State shall establish social insurance systems such as basic endowment insurance, medical insurance for the basic pension insurance, work-related injury insurance, unemployment insurance, and maternity insurance, so as to protect the right of citizens who are suspicious to receive material assistance from the state and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Social insurance and commercial insurance are not a substitute relationship, commercial insurance has a role that social insurance cannot replace, even if social insurance is purchased, it is still necessary to purchase commercial insurance. Why is commercial insurance an important supplement to social insurance? After reading this article, you will understand it all"With social security, you really don't need commercial insurance?

We all know that social security is our most basic protection, and the content of the five insurances covers all aspects of our lives. Take the medical insurance in the five insurances as an example, even if you are sick now, you can continue to apply for insurance in the second year, you can be reimbursed for related medical expenses, and you can enjoy lifelong medical insurance protection after paying enough for 15 years. But this does not mean that social security is enough, its protection is still not enough, and it needs to be supplemented by commercial insurance, which can be looked at below.

Here, we will briefly talk about the difference between social medical insurance and commercial medical insurance.

1. Embodiment in the content of the guarantee

Although there is a bit of overlap in the protection content of commercial medical insurance and social medical insurance, the protection content of commercial medical insurance is far wider than that of social medical insurance. For example, social security does not cover the cost of service items such as "** fee", "out-of-hospital consultation fee", "medical record production cost" and the cost of prosthetic eyes, prosthetic limbs, hearing aids and other ** sexual appliances belonging to diagnosis and treatment equipment and medical materials, but most commercial insurance on the market covers these two types of medical expenses.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, for malignant tumors, there are many special drugs on the market with good efficacy and less damage to the human body, such as Keytruda for lung cancer, with an average monthly cost of more than 50,000 yuan. However, such special drugs are not included in the list of social security drugs, and without commercial insurance, many cancer patients cannot support such high expenses in the long term with their family savings.

2. The amount of reimbursement is different

Social medical insurance, as a benefit given by the state to citizens, has a much lower reimbursement ratio than commercial medical insurance. If it belongs to the type of non-local **, the reimbursement range of social medical insurance will be relatively lower. It can be seen that social medical insurance cannot replace commercial medical insurance, and the expenses reimbursed by social medical insurance are very limited.

There are also many differences between social insurance and commercial insurance in other aspects, and if you want to know, please continue to read this article"Is it possible not to buy commercial insurance with social security? 》

Social security premiums are low! But it's not all-inclusive, imported drugs and special drugs will not be reported!

The difference between social insurance and commercial insurance is mainly reflected in the single channel of insurance premiums, which must be paid by the bidder. Premiums for social insurance are usually raised by the enterprise (employer), the individual (employee) and ** on a tripartite basis.

According to your description, you were probably born in 1961, worked in 1981, left in 1996 after paying social security for 15 years, and have not paid it since then, and will retire in 2021 after 25 years. In 1981, the work was basically regarded as the social security of the national permanent employees, and it can be said that the money paid before was negligible. If you pay 150,000 yuan, you can retire after three years, and you can receive about 4,000 yuan (you didn't say which city, you can only speculate according to the level of mid-range cities).

If you live to the age of 84, you will earn more than 1 million, because at the age of 80, your pension may be 10,000 per month. If you say that you only live to be 61 years old, then I have nothing to say, and what you hand in is donated to the country. You can also use 150,000 yuan to buy commercial insurance, and give you a dividend of 10,000 or 20,000 yuan per year after three years, but when you are 80 years old, you will still be given 10,000 or 20,000 yuan, but the principal paid can be refunded to you or your family.

The pension is growing at 5%-10% every year, while the pension received by commercial insurance will not increase much, which is the biggest difference between social security and commercial insurance. If you have money, it is recommended to buy both social security and commercial insurance, if you only have 150,000 yuan, pay attention to the immediate commercial insurance, and feel that you still have a long-term social security. It's tiring to play so many hands, and my understanding of social security and commercial insurance for so many years hopes to help you.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Social insurance is the insurance provided by the unit to our employees, which is four insurances and one housing fund, including four types of insurance, including endowment, medical care, unemployment, and work-related injury insurance, and maternity insurance for women, and one housing fund is the provident fund. The principle of social insurance: low security, wide coverage, everyone has a share, insurance but not coverage.

Commercial insurance is a necessary choice for our personal planning to improve the quality of life under the premise of social and public foundation.

There are essential differences between social insurance and commercial insurance: First, the nature is different. Social insurance is enforced by national legislation, which is a kind of welfare undertaking and has a non-profit nature.

Commercial insurance is a commercial activity, and the relationship between the insurer and the insured is completely voluntary; is of a for-profit nature; Second, the purpose is different. Social insurance is not for the purpose of making profits, but for the purpose of ensuring the basic livelihood of workers, maintaining social stability, and promoting economic development. The fundamental purpose of commercial insurance is to obtain profits, but to provide economic compensation to the policyholder under this premise; The third is that the funds are different.

Social insurance is borne by the state, employers and individuals. Commercial insurance is entirely the responsibility of the insured individual; Fourth, the level of treatment is different. Proceeding from the stabilization of society, social insurance focuses on the guarantee of long-term basic livelihood, and it must be adjusted and gradually raised in line with the rise in prices.

Business insurance looks at one-time financial compensation. Fifth, the responsibilities are different. Social insurance is a fundamental right enjoyed by citizens.

**Bear the ultimate responsibility for the society. Commercial insurance is subject to the market competition mechanism, and the commercial insurance is mainly supervised in accordance with the law to protect the interests of investors.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"