论文部分内容阅读
社会保险和商业寿险同屑社会保障体系的范畴,都是以人的身体和生命为保险标的,都以概率论和大数法则作为制定保险费率的数理基础,也都以建立保险基金作为提供经济保障的物质基础,这说明社会保险和商业寿险都是集聚众多的经济力量,为遇到困难的人们提供生活保障的一种措施。社会保险是由国家通过立法的形式对社会成员强制征缴保险基金,用以对公民在生育、疾病、伤残、养老、死亡、失业及遭受其他人身意外事故时提供基本生活保障的一种社会经济制度。而商业寿险是投保人根据合同约定向保险公司支付保险费,当被保险人死亡、
Social insurance and commercial life insurance with the same social security system, are based on the human body and life as the subject of insurance, are based on probability and law of large numbers as the basis for the development of insurance rates, but also to establish an insurance fund as a The material basis of economic security shows that both social insurance and commercial life insurance are a measure of gathering many economic forces and providing life support for people in difficulty. Social insurance is a kind of social compulsory collection of insurance funds by members of the state through legislation by the state to provide citizens with basic living guarantees in the fields of birth, sickness, disability, pension, death, unemployment and other personal accidents economic systems. The commercial life insurance is the policyholder to pay insurance premiums to the insurance company under the contract, when the insured person dies,