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1.商业保险与社会保险在性质上有区别:(1)行为依据不同。社会保险是依法实施的政府行为,而商业保险则是依合同实施的契约行为。(2)实施方式不同。社会保险具有强制实施的特点,而商业性人身保险则必须贯彻自愿原则。(3)强调的原则不同。社会保险强调“社会公平”原则,故被保险人的权利与义务不对等:而商业保险则强调“个人公平”原则,因合同双方是契约关系,被保险人的权利、义务对等。
1. Commercial insurance and social insurance in nature are different: (1) behavior based on different. Social insurance is a government act implemented according to law, while commercial insurance is a contractual act implemented in accordance with the contract. (2) The implementation is different. Social insurance has the characteristics of enforcement, while commercial life insurance must implement the principle of voluntariness. (3) emphasize the different principles. Social insurance emphasizes the principle of “social fairness”, so the rights and obligations of insured persons are not equal. However, commercial insurance emphasizes the principle of “individual fairness” because the parties to the contract are contractual and the rights and obligations of the insured Wait.