Everybody has a such doubt: Had social security to still need to buy commerce to be sure?
Actually social security and commercial insurance are bigger topic, want to make the impact between clear social security and commercial insurance truly, what does the thing that the key depends on can be clear that social security can be done have, and what does the thing that commerce is sure to be able to be done have again. That must see their definition of two first!
Commerce is safe: Can use annuity a place difficult of access / the safeguard that be satisfactory to both sides is sure to serve as unemployment, oneself make money, oneself get money, without any limitation. It is one kind is sure through concluding contract operation, it is the insurance form of the purpose in order to seek profits. Commercial insurance more pays attention to the ground is to commercialize gain, company and policy-holder sign a contract, when waiting for conventional case to appear, give by insurance company pay beneficiary beneficiary insurance gold. This also makes commerce safe planting nearly make and danger gold compensates for a respect, relatively social insurance is richer, to pay insurance compensation amount also Yuan Chao society is safe. She includes danger of birthday danger, serious illness risk, accident danger, medical treatment danger, provide for the aged, education danger to wait.
Social security namely the society is safe: It is national management department is a basis with law, with the insurance that administrative measure is carried out and runs, it protects personnel to provide the following content to join: The economy inside insurance of insurance of primary medical treatment, primary endowment insurance, inductrial injury, unemployed insurance and birth insurance limits is ensured. The basic principle of social security is: Low-level, wide enclothe, not only amount is restricted, and have submit an expense account limits limitation, new drug, entrance medicine and project of a few diagnosis and treatment are not protected in social security cure submit an expense account inside limits.
Is commerce sure to you can replace a society to be sure? Next then we see a case:
Mr Wang was last year come to what Shanghai some private enterprise works from the other place. When signing labor contract, company controller and king gentleman agree, the enterprise buys commerce to be sure for Mr Wang (life-insurance, injury insurance) , replace social insurance, say, mr Wang does not need pay money, get is sure likewise. So, what distinction do commercial insurance and social insurance have? Is commerce sure to you can replace a society to be sure?
Actually commercial insurance and social insurance have very big distinction, commerce is sure to cannot replace social insurance. The insurance risk that place of commercial insurance company runs is planted, the insurance gold amount of pay of this insurance place, deadline and ginseng protect a person to arrive age hind the means of the insurance cost that get, amount, go up to be agreed by insurance contract in sincere letter, freewill, equal foundation by policy-holder and underwriter completely. And the endowment insurance that the social insurance management center that social endowment insurance is labor and subordinate of social security mechanism undertakes, two kinds are sure to be distinguished somewhat on property.
" labor law " the 70th regulation: "The country develops social insurance enterprise, build social insurance system, create social insurance fund, make laborer is in aged, sicken, inductrial injury, unemployed, bear etc help and compensation are won below the circumstance. "For this, our country early or late formulate " social insurance premium collects pay temporary regulations " wait for numerous law, code and policy, shanghai also formulate corresponding code policy, perfected social insurance system stage by stage. Current, the society of Shanghai is sure to basically include: The respect such as insurance of endowment insurance, medical treatment, unemployed insurance, inductrial injury insurance, birth insurance. Outside be being assumed by country and enterprise except inductrial injury insurance, birth insurance, insurance of endowment insurance, medical treatment, unemployed insurance is by country, enterprise, individual 3 person partake. Nonlocal personnel comes Shanghai obtain employment, should deal with this city census register or hold only " Shanghai living card " can attend social insurance. If nonlocal personnel and enterprise built labor to concern, the enterprise must be insurance premium of its pay society, break the law namely otherwise. Although also be a kind of welfare that unit of choose and employ persons gives employee,be sure as to commerce, but it is freewill, do not be equal to be sure at the society.
Here, admonish reader: Social insurance is the port of competitive society, ensure what wait for the social member that is in inferior position as a result of body element, skill element in competition to live the right. Some people think from young already, do not value social insurance, think unit of choose and employ persons do not go up safe also it doesn't matter, the wage that wants only is much went, still some people think had better not buckle insurance premium, is coming down when salary hair better? Little imagine of each minutes of money accumulate, it is the safeguard that will live henceforth. Of course, commercial insurance also is the one part of social security, if the enterprise has economic actual strength, dealing with a society for employee besides insurance, buy commercial insurance separately, this is good news undoubtedly to employee. Special the managers that warn a few companies, if be in labor contract,the agreement is sure to replace a society to be sure with commerce break the law, employee finds new job in " " or when leaving one's post, to labor arbitral branch mentions arbitral, the company is defeated surely undoubted, want insurance premium of filling capture society already to moment, bear fine for delaying payment and arbitral cost even.
From inside above analysis, we can see social security is a foundation, commercial insurance is effective complement.
