You can buy it.

Commercial insurance refers to a form of insurance that is operated through the conclusion of an insurance contract for the purpose of profit and is operated by specialized insurance companies.

The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties. The policy holder pays insurance premiums to the insurance company according to the contract, and the insurance company pays the property loss caused by the possible accidents as stipulated in the contract. Bear the responsibility to compensate insurance benefits, or bear the responsibility to pay insurance benefits when the insured dies, becomes disabled, becomes ill, or reaches the agreed age or period.

The so-called social insurance refers to the collection of insurance premiums to form a social insurance fund, which is used to provide compensation for those who have lost the ability to work or lost job opportunities due to old age, illness, maternity, disability, death and unemployment. A social security system that provides members with basic living security.

Extended information:

Insurance is divided into property insurance, life insurance and health insurance

1. Property insurance

Property insurance includes motor vehicles Insurance, corporate property insurance, household property insurance, ship insurance, liability insurance, guarantee insurance, cargo transportation insurance, accident insurance, agricultural insurance, engineering insurance, credit insurance, etc.

2. Life insurance and health insurance

1. According to the number of policyholders, it can be divided into individual health insurance and group health insurance.

2. According to the length of insurance coverage, it can be divided into short-term health insurance and long-term health insurance. The length of insurance coverage is also combined with the number of policyholders to form group short-term insurance and group long-term insurance. It is also combined with individuals to form individual short-term insurance and individual long-term insurance.

3. According to insurance liability classification

a) Disease insurance refers to insurance that uses illness as a condition for payment of insurance benefits, that is, as long as the insured suffers from certain conditions listed in the insurance terms Regardless of whether or how much medical expenses are incurred for any disease, a fixed amount of compensation can be obtained.

b) Medical insurance, also known as medical expense insurance, refers to insurance that compensates the insured for the expenses incurred when receiving medical services.

c) Disability insurance, also known as income loss insurance and income protection insurance, refers to a type of insurance that results in loss of income, property, etc. due to the insured's loss of working ability.

4. According to the type of loss, it can be divided into medical expense insurance, disability income loss insurance and long-term care insurance.

5. Classification according to different payment methods

a) Expense-type insurance: The insurer shall base the insurance on the reasonable medical expenses incurred by the insured during the medical diagnosis and treatment process, and in accordance with the terms of the insurance contract Agreement to compensate all or part of their medical expenses.

b) Subsidy insurance (fixed benefit insurance): Subsidy insurance refers to insurance that does not consider the actual expenses of the insured and pays insurance premiums according to the standards agreed in the insurance contract.

c) Provide service products. In the process of providing such products, the insurer directly participates in the management of the medical service system. The insurer selects medical service providers (hospitals, clinics, doctors) based on certain criteria and organizes the selected medical service providers.

Provide medical services to the insured. Strict and formal operating rules are in place to ensure service quality, and the use of medical services is frequently reviewed. The insured can enjoy financial discounts when seeking treatment from designated medical service providers in accordance with prescribed procedures.

There is an existing connection between social insurance and commercial insurance:

Functionally, both are social risk resolution mechanisms.

Social insurance is the main body of the multi-level social security system. Commercial insurance can be a supplement to social insurance and is an integral part of the multi-level social security system. Social insurance came into being later than commercial insurance, and many of the terms, calculations, and prediction methods used in it are related to commercial insurance.

According to the "Social Insurance Law of the People's Republic of China":

Article 57 The employer shall, within thirty days from the date of establishment, submit a business license, registration certificate or With the unit seal, apply for social insurance registration to the local social insurance agency. The social insurance agency shall review the application within fifteen days from the date of receipt and issue a social insurance registration certificate.

If the employer's social insurance registration items are changed or the employer is terminated in accordance with the law, the employer shall go to the social insurance agency to handle changes or cancel the social insurance registration within 30 days from the date of change or termination.

The market supervision and administration departments, civil affairs departments and institutional establishment management agencies shall promptly notify the social insurance agency of the establishment and termination of the employer, and the public security organs shall promptly notify the social insurance agency of the birth of the individual. , death, and household registration, migration, cancellation, etc.

Article 58: The employer shall apply to the social insurance agency for social insurance registration for its employees within thirty days from the date of employment.