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Social insurance and commercial insurance

May also have capacity of any natural and legal persons; and social insurance is limited among employers and workers, which applies only to the statutory mandatory social insurance relations among them. Insured. Social insurance of the insured person is legally entitled to social insurance benefits, mainly based on the scope of the insured to determine, in general, including all social workers, their socialization is very high; and commercial insurance is the insured property or life insurance contract and security, have the right to insurance claims people insurance, the insured can only be a natural person. the significant difference between the two is that social insurance can not be a legal person insured. beneficiary. social insurance beneficiaries is entitled to social insurance benefits according to the people, in addition to survival The outside of the insured, usually limited to employees after the death. their legal relatives have the right to receive different levels of subsidy, this time,[link widoczny dla zalogowanych], these relatives can be seen as the beneficiary; commercial insurance beneficiary by the insured or insurance policy holders have designated people who claim contract, will have a beneficiary, and the beneficiary can be insured by the insured and jointly appoint a third person, he can and the insured has no insurable interest and family relations. visible. The difference is The limited scope of beneficiary. Third, the two insurance laws and relations in different ways the nature of social insurance-Social Security. Thus, such insurance is compulsory, the insured objects, insurance programs, to pay the standard 27 fee, payment amount, etc. are prescribed by law, enforced by the State Authority, the individual has no freedom of choice, so it need not enter into contracts; and commercial insurance is based on the insured and the insurer on a voluntary, consensus established on the basis of whether to participate in insurance, what risks,[link widoczny dla zalogowanych], insurance, etc. How much will mainly depend on the individual to determine, therefore, commercial insurance activities, must sign the insurance contract. Fourth, both the subject and purpose of the management of social insurance are generally different from the national government special based business management department,[link widoczny dla zalogowanych], or state autonomy under the strict supervision by the management of social organizations, its operations and management for social security insurance fund aims to profit, and its still the balance of the premium as the social security Fund is not intended for distribution of profits. commercial insurance are profitable and, therefore, engaged in the commercial insurance business, commercial enterprises are legal, some Co, some mutual assistance operations, in the form of still state-owned and so on. commercial insurance, the main business objective is to profit. that by implementing Peifu insurance premiums received less than the difference between a profit five, the burden of insurance premiums and guarantee the principle of different levels of DU will be mainly from insurance premiums individual workers, employers and the government three areas. by the insured to pay the premium wage rate. the wage premium is paid by various different (proportional), but the payment rate is the same, so the distribution of a transfer nature, ie,[link widoczny dla zalogowanych], in accordance with the statutory security standards, not to put the insured on how much insurance protection to be different, reflecting the social security function. but the social security level is the basic living needs, above the poverty line, the general living standard of the following . commercial insurance policyholders may be subject under the insurance policy conditions with reference to their economic ability to invest the appropriate insurance, commercial insurance is equivalent to emphasize the rights and obligations of exchange and reciprocity, that is less security,[link widoczny dla zalogowanych], not to buy can not be maintained The difference is obvious, but not compatible with the two not mutually exclusive, but can be coordinated and complementary. social insurance for wage earners or those who can not afford commercial insurance to provide basic life insurance, in this sense is supplementary commercial insurance; commercial insurance for people beyond their basic needs to provide safeguards to meet people's different needs, which in turn is a social insurance supplement. the two complement each other perfectly. from the social insurance and commercial insurance point of view the difference between no way can the insurance business attributed to the social security system; then the insurance can not be interpreted as social insurance and commercial insurance in the double effect. So my commercial insurance activities. Author: Heilongjiang University Personnel Department Editor: Ma Jian
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