First, the principle of voluntariness: social security is a kind of national welfare, and it is compulsory to pay. Commercial insurance is a personal act and can be purchased voluntarily.
Second, the time limit is optional. Social security can only be used or collected after a certain number of years. Work injury, maternity and unemployment insurance are all for one year, and endowment insurance is 15. Women pay medical insurance for 20 years, and men pay for 25 years, which can benefit for life. The payment period of commercial insurance is flexible, and the length of time is up to you, such as 3 years, 5 years, 10 years, 20 years.
Three: the amount is controllable. In the composition of social security, the pension individual pays 8%, the medical insurance individual pays 2%, and the unemployed individual pays 1%. With the increase of salary, the amount of payment will increase accordingly. Commercial insurance is approved according to gender, age and other conditions. The amount of the same type of insurance products is different. You can choose the payment amount and insurance amount according to your actual situation. More work and more gains, less work and less gains.
Four: the length of time can be adjusted, and the social security time is lifelong. The longer you live, the more you will benefit. The term of commercial insurance can be selected, such as short term 1 year, medium and long term 20-30 years, and long term life.
Five: accidents involve a wide range, and the social security projects protected by accidents correspond to work-related injury insurance and medical insurance. Industrial injury insurance is only for the company and on the way to and from work, and it is not responsible for other trips, such as business trips or accidents at home. However, when you go to see a doctor, you can swipe your medical insurance card to help individuals pay part of their medical insurance, and you can't reimburse them. Commercial insurance covers many kinds of accidents, and social insurance and non-insurance items are reflected in the insurance liability of commercial insurance. The part of the treatment fee exceeding 100 yuan can be reimbursed according to a certain proportion (generally 80%) according to the policy.
Six: medical pertinence, social security can be reimbursed by invoice, but there are upper and lower limits. After excluding the self-funded part, the medical expenses in social security are more cost-effective than self-funded and commercial insurance. Commercial medical insurance is targeted, reimbursement for minors in hospital and social security complement each other, and the rest can be reimbursed after social security reimbursement; After the diagnosis of a serious illness, you can pay in advance according to the proportion stipulated in the policy with the diagnosis certificate, which can reduce most of the burden of medical expenses.
Seven: hospitalization is subsidized, and social security has no hospitalization subsidy. Commercial insurance includes hospitalization allowance, ranging from 50 yuan to one day in 200 yuan, which can be offset as nutrition fee, bed fee and self-funded medication.
Eight: After the death of Ze's family, the endowment insurance and medical insurance in social security projects can be inherited according to the residual value of personal accounts and the limit of funeral expenses of the parties, leaving basically nothing for the family. Commercial insurance stipulates that no matter how long the payment is made, as long as they die during the insurance period, they will pay high compensation in accordance with the proportion stipulated in the insurance policy.
Nine: special exemption, social security does not have the exemption function. Commercial insurance has a special fee-free function. If the insured suffers from serious illness during the payment period, he can be exempted from paying the remaining premium after paying the fee according to the policy contract, but the policy benefits he enjoys remain unchanged.
X: Flexible realization. The realizable items in social security are embodied in endowment insurance. You must pay 15 years before you can get it after retirement. It is illegal to cash out through medical insurance. Don't do it. Most commercial insurance products can be realized as an emergency withdrawal of policy mortgage loans, or by applying for reducing the insurance premium.
Social security aims to provide citizens with basic living security, while commercial insurance provides high security in different aspects according to customers' needs, giving customers all-round protection more comprehensively. Commercial insurance is the best supplement to social security. A complete family security plan requires both social security and commercial insurance.
If you have any other insurance questions, please come: protect more fish and talk about insurance.