問 我以前買過商業(ye)保險(xian)，現(xian)在公司要給我買社會保險(xian)，商業(ye)保險(xian)與(yu)社會保險(xian)的區別在哪啊(a)？

答 1、性(xing)(xing)(xing)(xing)質(zhi)不(bu)同(tong)(tong)：社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)具有保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障性(xing)(xing)(xing)(xing)，不(bu)以盈利(li)為(wei)(wei)(wei)目(mu)的(de)(de)(de)(de)；商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)具有經營性(xing)(xing)(xing)(xing)，以追(zhui)求(qiu)經濟效益(yi)為(wei)(wei)(wei)目(mu)的(de)(de)(de)(de)。 2、建立基(ji)(ji)礎不(bu)同(tong)(tong)：社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)建立在勞動關(guan)(guan)系(xi)(xi)基(ji)(ji)礎上，只要(yao)形(xing)(xing)(xing)成了勞動關(guan)(guan)系(xi)(xi)，用人(ren)(ren)單(dan)位就必須為(wei)(wei)(wei)職工辦(ban)理社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)；商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)自愿投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)，以合同(tong)(tong)契約形(xing)(xing)(xing)式(shi)確立雙方權利(li)義務關(guan)(guan)系(xi)(xi)。 3、管(guan)理體制(zhi)不(bu)同(tong)(tong)：社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)由(you)(you)政府職能部門(men)管(guan)理；商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)由(you)(you)企(qi)業(ye)(ye)(ye)性(xing)(xing)(xing)(xing)質(zhi)的(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)司經營管(guan)理。 4、對象(xiang)(xiang)不(bu)同(tong)(tong)：參加(jia)社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)對象(xiang)(xiang)是(shi)(shi)勞動者(zhe)，其(qi)范(fan)圍由(you)(you)法(fa)(fa)律(lv)規(gui)(gui)定(ding)，受資(zi)格(ge)條件的(de)(de)(de)(de)限制(zhi)；商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)對象(xiang)(xiang)是(shi)(shi)自然人(ren)(ren)，投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)一(yi)(yi)般(ban)不(bu)受限制(zhi)，只要(yao)自愿投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)并愿意(yi)履行(xing)合同(tong)(tong)條款即可。 5、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障范(fan)圍不(bu)同(tong)(tong)：社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)解決(jue)絕(jue)大多數(shu)勞動者(zhe)的(de)(de)(de)(de)生活保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障；商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)只解決(jue)一(yi)(yi)部分(fen)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)的(de)(de)(de)(de)問(wen)題(ti)。 6、資(zi)金來源(yuan)不(bu)同(tong)(tong)：社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)資(zi)金由(you)(you)國家、企(qi)業(ye)(ye)(ye)、個(ge)人(ren)(ren)三方面分(fen)擔(dan)；商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)資(zi)金只有投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費的(de)(de)(de)(de)單(dan)一(yi)(yi)來源(yuan)。 7、待遇計發不(bu)同(tong)(tong)：社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)待遇給付原則是(shi)(shi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障勞動者(zhe)基(ji)(ji)本生活，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)待遇一(yi)(yi)般(ban)采取按(an)月支付形(xing)(xing)(xing)式(shi)，并隨社(she)(she)會(hui)(hui)平(ping)均工資(zi)增(zeng)長每年調整；商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)則按(an)“多頭多保(bao)(bao)(bao)(bao)(bao)(bao)(bao)，少投(tou)少保(bao)(bao)(bao)(bao)(bao)(bao)(bao)，不(bu)投(tou)不(bu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)”的(de)(de)(de)(de)原則確定(ding)理賠標(biao)準。 8、時間性(xing)(xing)(xing)(xing)不(bu)同(tong)(tong)：社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)國家穩定(ding)的(de)(de)(de)(de)、連續性(xing)(xing)(xing)(xing)的(de)(de)(de)(de)制(zhi)度；商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)一(yi)(yi)次性(xing)(xing)(xing)(xing)、短期的(de)(de)(de)(de)企(qi)業(ye)(ye)(ye)行(xing)為(wei)(wei)(wei)。 9、法(fa)(fa)律(lv)基(ji)(ji)礎不(bu)同(tong)(tong)：社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)由(you)(you)勞動法(fa)(fa)及(ji)其(qi)配套法(fa)(fa)規(gui)(gui)來立法(fa)(fa)，商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)則由(you)(you)經濟法(fa)(fa)、商(shang)(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)法(fa)(fa)及(ji)其(qi)配套法(fa)(fa)規(gui)(gui)來立法(fa)(fa)。