The difference and nature between current social insurance and commercial insurance

Social insurance is the basis of security. Under the guidance of the policies formulated by the state, the state or local governments stipulate that citizens must pay certain insurance premiums through legislation and other means, and form an insurance fund pool. The insurance funds in this insurance fund pool are used to pay insurance premiums for individuals due to aging, disease, childbirth Members of society who have lost their basic ability to work or lost their original job opportunities due to death, injury, unemployment, etc

Three Principles for Ordinary People to Buy Commercial Insurance

Many people realize that insurance is very important, but they also think that insurance is very complicated, and they are afraid of being fooled, so they flinch. Brother Yun Zhitao tells you three principles for buying commercial insurance to avoid most big pits. Principle 1: Insurance needs to be constantly adjusted and optimized. Many people think that buying insurance is a one-time thing. In fact, it is not. Insurance is a process of dynamic change and continuous improvement. It needs to be selected according to different ages, occupations, and even travel frequency

Business Insurance Xiaobai Class: What is an exemption or an exemption clause?

As people's awareness of avoiding various risks in daily life has increased significantly, buying insurance has become an important way for many people to resist risks. When applying for insurance, we have learned to pay attention to the insurance liability part of the insurance product. For example, what responsibilities can this insurance cover? Death, serious illness or medical expense reimbursement? How much is the insured amount to settle the claim upon death? What kinds of serious diseases are there? What is the proportion of medical expense reimbursement? wait. But why do you always see all kinds of

What can social insurance (social insurance) and medical insurance (medical insurance) cover? Do you want to buy commercial insurance with medical insurance and social insurance?

Having worked in insurance companies for many years, I don't sell insurance myself, but also communicate with many colleagues in insurance sales. Without exception, social insurance (social insurance), medical insurance (medical insurance), pension insurance, and commercial insurance will be talked about for as many times as possible. However, in communication, I found that in reality, very little can be explained clearly. So in order to make this clear, I specially found an angle to help everyone understand social insurance (social insurance

Five factors that need attention and understanding in personal allocation of commercial insurance

In recent years, in addition to stock market, bond market, futures, precious metals and other investments, the way of insurance financing has gradually become popular with the public. However, in the process of configuring insurance, many consumers have also made some "mistakes" and even deviated too much from the essence of insurance. For example, the vast majority of the allocation is investment linked insurance and dividend insurance, which may be OK for investment, but there is no special life insurance, serious illness insurance or accident insurance in terms of protection

It is said that more than 60% of car owners have been hit by three mistakes in auto insurance. Are you one of them?

For most car owners, they will buy some car insurance for their cars. However, many car owners are not very clear about the concept of auto insurance, and some even do not understand what is included in the auto insurance products they buy. There are also some car owners who just take the product name for granted. However, these practices may lead to a great misunderstanding of your understanding of auto insurance. Myth 1: All risks=extra worry free, you can pay for everything if it happens! In life we

The "hidden rules" of social insurance reimbursement have been declassified, and everyone should have a careful look at the guidelines for hospitalization expense reimbursement.

If you are not in charge, you don't know that food, rice, oil and salt are expensive. If you don't go to the hospital, you don't know that you are actually short of money. Recently, Li Baoquan, who is in his 30s, and his colleague Wang Dazhi broke their feet, just happened to be in the same ward again and talked:

Do you understand the waiting period, hesitation period, grace period and the three periods of insurance?

Today, with the opening of the Internet, online and offline business is also very popular. No matter whether you buy insurance from offline stores or online, there are after-sales services, such as the online mall's "7-day return without reason, 15 day replacement, and one-year warranty". Special products like insurance also have some after-sales rules. Today, let's learn together! 1. Waiting period I believe that friends who have bought serious illness insurance or life insurance have more or less the concept of "waiting period"

Dry goods sharing: what are the exemptions for commercial insurance premiums

The so-called premium exemption means that within the payment period specified in the insurance contract, when the applicant or the insured reaches certain specific conditions (such as death, disability, serious illness or mild illness, etc.), the insurance company agrees that the applicant can no longer pay subsequent premiums, and the insurance contract is still valid. 1. Premium exemption definition Loss of working ability means a sharp decrease in income. If the insurance policy is attached with the premium exemption function, economic difficulties caused by unemployment will be avoided. The premium is not

The difference between social insurance and commercial insurance is that commercial insurance can be selected for repeated claims.

Most consumers have a puzzle. They already have social medical insurance. If they buy commercial insurance from an insurance company, can they get another payment? Relevant experts from the insurance department of a university will explain this problem for you in detail. The essential difference between social insurance and commercial insurance. Social medical insurance, as a social welfare undertaking, has a non-profit nature. Secondly, the objects and functions of insurance are different. The commercial medical insurance takes the natural person as the insurance object, its function lies in when invests