Medicare and commercial insurance are both types of insurance, of which commercial insurance can be used as a kind of supplemental protection of medical insurance, the difference between the two is still relatively large.
1, we need to understand the concept of health insurance and commercial insurance
The full name of the health insurance is social health insurance, it is the state according to the law, in order to protect and promote the health of workers and the establishment of a social security system, is the state or local legislation through the mandatory implementation of the will of the individual does not depend on the will of the individual, and at the same time, as a social welfare undertaking with a non-profit nature. Commercial Insurance Commercial insurance, on the other hand, is a kind of insurance operated by insurance companies using economic means to compensate for the means, which is an aspect of social economic activities and is realized by the insurer and the insured both signing a contract in accordance with the principle of voluntariness. Ping An Insurance Company, for example, it has launched a number of commercial insurance, including medical insurance, property insurance, travel insurance, etc. The biggest advantage of Ping An's commercial insurance is that it is a wide variety of types of insurance is complete, it can supplement the single social health insurance, and can be more widely for consumers to bring a full range of protection.
2, health insurance and commercial insurance in the role of the play and insurance object is also different.
Commercial insurance to natural persons as the object of insurance, its role is when the insured citizens due to accidental injury or disease and medical expenses, can obtain a certain amount of financial compensation to mitigate the loss, but not to protect the basic life of the insured, but also does not have the role of maintaining social justice, social health insurance is mainly for workers as the object of insurance, when the workers due to illness and medical expenses for medical treatment, by the social insurance department or their social insurance department. When a worker incurs medical expenses due to illness and medical treatment, the social insurance department or its entrusted unit will give basic compensation, which is conducive to social stability and the maintenance of social equity, and is actually an aspect of national income redistribution.
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