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日常生活中,常有人把商业保险与社会保险混为一谈。其实,由政府职能部门及其社会保险机构主管的社会保险与保险公司主办的商业保险有着明显的区别,表现在:1、基本属性不同。社会保险是国家根据《宪法》和《劳动法》规定,为保护和增进职工身体健康、保障职工基本生活需要而建立的一种社会保障制度,由政府操办,是一种政府行为。社会保险是劳动者的一项权利,具有强制性、福利性和社会性,被保险人的权利始终有保障。商业保险以《保险法》为依据,以盈利为目的,是国家经济活动的一个方面,是一种商业行为。它采用公平互利,协商一致、自愿订立的原则,是否参保取决于个人意愿。2、参保对象和作用不同。商业保险参保
In daily life, people often mix commercial insurance with social insurance. In fact, there are obvious differences between the commercial insurance sponsored by the social insurance and insurance companies under the control of government departments and their social insurance agencies, as follows: 1. The basic attributes are different. Social insurance is a kind of social security system established by the state under the “Constitution” and the “Labor Law” to protect and enhance the health of workers and protect the basic living needs of workers and staff members. It is a kind of government action conducted by the government. Social insurance is a right of the worker, obligatory, welfare and social, and the insured’s rights are always guaranteed. Commercial insurance is based on the “Insurance Law” and for the purpose of making profits. It is one aspect of a country’s economic activities and is a kind of commercial activity. It adopts the principle of fairness, mutual benefit, consensus and voluntariness, and whether or not to take out the insurance depends on the individual’s wishes. 2, insured objects and different roles. Commercial insurance insured