First, the mandatory is different.
Social medical insurance is compulsory, and the basic medical insurance premium is paid by employers and employees in accordance with state regulations.
"People's Republic of China (PRC) Social Insurance Law" Article 23 * * * employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Commercial medical insurance is not compulsory. Commercial medical insurance is an integral part of the medical security system, and units and individuals voluntarily participate.
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Second, the insurance objects and functions are different.
Commercial medical insurance takes natural persons as the insurance object, and its function is that when the insured citizens pay medical expenses due to accidental injuries or diseases, they can get certain economic compensation to reduce losses, not to protect the basic life of the insured, nor to maintain social justice;
Social medical insurance is mainly aimed at workers. When workers pay for medical treatment due to illness, the social insurance department or its entrusted unit will give them basic compensation, which is conducive to social stability and social equity, and is actually an aspect of national income redistribution.
Third, the rights and obligations of the two are different.
The rights and obligations of commercial medical insurance are based on the contractual relationship, and the amount of insurance depends on the amount of insurance premium paid, that is, the rights and obligations of insurance companies and policyholders are equivalent exchange, which is characterized by more investment and more insurance, less investment and less insurance, and no investment and no insurance.
The relationship between rights and obligations of social medical insurance is based on labor relations. Workers can enjoy social medical insurance benefits as long as they fulfill their social work obligations. The payment of insurance premium is not proportional to the amount of insurance premium paid, that is, the relationship between rights and obligations is not equal.
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