Second, the object is different. The object of social insurance is workers with employee status; The object of life insurance is all citizens who are freely insured.
Third, the cost burden is different. Social insurance premiums are shared by individual workers, employers and the state, and the social insurance contribution rate is stipulated by law; Life insurance expenses are borne by the insured, and different projects have different payout ratio, so the parties can choose freely.
Fourth, the implementation principle is different. The relationship between rights and obligations of social insurance is based on the labor legal relationship. As long as you fulfill your labor obligations, you can enjoy social insurance benefits. The state implements the principle of compulsory social insurance. On the other hand, life insurance is based on commercial contractual relationship and on the principle of equal exchange and voluntariness.
Fifth, the foundation of establishing insurance relationship is different. The establishment of social insurance relationship is based on legal provisions, and the parties cannot make sporadic agreements; The personal insurance relationship is established through an insurance contract and can be agreed by both parties.
Sixth, the level of protection is different. Social insurance determines the level of protection according to the basic principles of material assistance and protection, and the level of protection in different periods and projects is legal; Second, the level of personal insurance is determined according to the principle of economic compensation and the insurance situation of the parties, and the level of protection agreed in the contract is quite different.
Extended data:
There are still some prominent contradictions and problems in China's social security system, such as unbalanced development of urban and rural social security, inadequate system design, poor adaptability and inadaptability to the development trend of labor mobility and employment.
The redistribution gap is too large, and the overall planning level is low, which affects the mutual assistance between tombs and gold, restricts the participation of flexible employees, has a low level of social assistance, weak social welfare service function and slow development of charity. The problems left over from the system transition of Du Hui's barrier protection are also outstanding.
At present, China's social security reform and system construction have entered a critical period. According to the reality of China's basic national security and economic and social development, we should actively learn from the development experience of other countries in the world and do our best to gradually realize the development goals of urban and rural residents. The first is to adjust the structure of fiscal expenditure.
Establish a standardized social security budget system and further increase the proportion of social security expenditure. The second is to coordinate urban and rural areas, face up to differences and accelerate the establishment of a social security system for urban and rural residents. Social security system All provinces and autonomous regions can merge the social endowment insurance for urban residents with the new rural social endowment insurance, narrow the gap between urban and rural areas, expand the hard coverage and achieve full coverage.
The third is to strengthen the collection and supervision of social security funds. Through various means, actively guide the insured to pay social insurance premiums, broaden the channels for raising social security funds, and constantly expand and strengthen the national social security tomb fund. It is necessary to further strengthen the supervision of the social security tomb fund.
Establish and improve various systems to ensure the safe operation of the fund. The fourth is to speed up the construction of the legal system, attach importance to supervision and law enforcement, and provide legal protection for the establishment of a social security system for urban and rural residents.
It is necessary to form a relatively perfect social security legal system with social insurance law as the core, special regulations as the main body and relevant policies and measures as the support. The Social Insurance Law of People's Republic of China (PRC) is the first comprehensive law of social insurance system in China since the founding of New China, and it is the legal guarantee for the country to fulfill its promise of "making everyone enjoy social security".
Although the Social Insurance Law still has some problems such as low legislative level and lack of system, it clarifies the adjustment and application scope of national search and urban-rural overall planning, stipulates the financing channels of the social insurance system, strengthens the government's responsibility in financing, and the social security system guarantees and expands the social insurance rights and interests of the insured.
The administrative loan system for social insurance has been clarified, the compulsory collection of social insurance premiums has been improved, the management and supervision of social insurance funds have been strengthened, and the service content of social insurance handling has been improved. These provide a legal basis for the fairness, mobility and sustainable development of China's social security system.
References:
Baidu Encyclopedia-Social Security System
People's Network-Social Security System