Health insurance is generally divided into medical insurance and critical illness insurance. Under the new regulations, we have evaluated more than a thousand critical illness insurance products and screened out the best ten critical illness insurance products on the market. The new definition of serious illness ranking is announced! The first place is it! 》
1, with different purposes.
Social insurance is determined according to national policies. For enterprises, the state forces enterprises to apply for social insurance for employees in order to provide employees with a guarantee, including financial subsidies for a period of time when they are laid off, and women can also get some subsidies when they have children.
Commercial insurance is the insurance that people voluntarily take out with insurance companies. If they want to be protected by the insurance company, they need to pay the insurance premium on time. Insurance companies are not bound by national policies and make their own "rules". It is profit-oriented, but it is not mandatory. If they are willing to buy insurance, they will buy insurance. If they don't want to buy insurance, they won't vote.
2, the scope of protection is different
Social insurance, which mainly solves most of the living security of workers and gives some basic security, has a wide range of protection; Commercial insurance only provides protection for the content required by the insured, and the content without insurance will not provide protection.
3. Different sources of premium
Social insurance premiums are generally shared by individual employees and enterprises. Of course, if you pay social insurance in the name of an individual, the premium will be borne by yourself. However, the social insurance cost is determined according to the country, and there are grades. As for commercial insurance, you have to pay the premium yourself, you have to bear as much as you buy, and the premium is up to you. Pay more premiums if you have the ability, and pay less if you don't, depending on your economic conditions.
Mintebao is a technology-driven third-party insurance service platform. Mintebao's mission is to help every family plan, make decisions and manage family safety professionally and efficiently. "heavy! The new definition of serious illness ranking is announced! The first place is it! 》