問 我以前買過(guo)商業保險(xian)，現(xian)在公司要給我買社(she)會保險(xian)，商業保險(xian)與社(she)會保險(xian)的區別在哪啊？

答 1、性(xing)質(zhi)不(bu)(bu)(bu)(bu)同(tong)(tong)：社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)具(ju)有保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障性(xing)，不(bu)(bu)(bu)(bu)以盈(ying)利(li)為(wei)(wei)(wei)目(mu)的(de)(de)(de)(de)；商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)具(ju)有經營性(xing)，以追(zhui)求經濟(ji)效益(yi)為(wei)(wei)(wei)目(mu)的(de)(de)(de)(de)。 2、建立基(ji)礎不(bu)(bu)(bu)(bu)同(tong)(tong)：社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)建立在勞(lao)動(dong)(dong)關(guan)系(xi)基(ji)礎上(shang)，只(zhi)(zhi)要(yao)形(xing)成了勞(lao)動(dong)(dong)關(guan)系(xi)，用人單(dan)位就必須為(wei)(wei)(wei)職(zhi)工辦(ban)理(li)(li)(li)(li)社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)；商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)自愿投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)，以合同(tong)(tong)契約形(xing)式確(que)立雙方權(quan)利(li)義務關(guan)系(xi)。 3、管(guan)理(li)(li)(li)(li)體制不(bu)(bu)(bu)(bu)同(tong)(tong)：社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)由(you)政府(fu)職(zhi)能部(bu)門管(guan)理(li)(li)(li)(li)；商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)由(you)企(qi)(qi)業(ye)(ye)(ye)性(xing)質(zhi)的(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司經營管(guan)理(li)(li)(li)(li)。 4、對象不(bu)(bu)(bu)(bu)同(tong)(tong)：參加社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)(de)對象是勞(lao)動(dong)(dong)者，其(qi)范(fan)圍由(you)法(fa)(fa)律規定，受(shou)資(zi)格條件(jian)的(de)(de)(de)(de)限制；商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)(de)對象是自然人，投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人一般不(bu)(bu)(bu)(bu)受(shou)限制，只(zhi)(zhi)要(yao)自愿投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)并愿意履行合同(tong)(tong)條款即可。 5、保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障范(fan)圍不(bu)(bu)(bu)(bu)同(tong)(tong)：社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)解決絕大多(duo)數勞(lao)動(dong)(dong)者的(de)(de)(de)(de)生(sheng)活(huo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障；商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)只(zhi)(zhi)解決一部(bu)分投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人的(de)(de)(de)(de)問題。 6、資(zi)金來源不(bu)(bu)(bu)(bu)同(tong)(tong)：社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)(de)資(zi)金由(you)國家、企(qi)(qi)業(ye)(ye)(ye)、個(ge)人三方面分擔(dan)；商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)(de)資(zi)金只(zhi)(zhi)有投保(bao)(bao)(bao)(bao)(bao)(bao)(bao)人保(bao)(bao)(bao)(bao)(bao)(bao)(bao)費的(de)(de)(de)(de)單(dan)一來源。 7、待遇(yu)計發不(bu)(bu)(bu)(bu)同(tong)(tong)：社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)(de)待遇(yu)給付原則(ze)是保(bao)(bao)(bao)(bao)(bao)(bao)(bao)障勞(lao)動(dong)(dong)者基(ji)本生(sheng)活(huo)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)待遇(yu)一般采取按月支付形(xing)式，并隨社(she)(she)(she)(she)(she)(she)會(hui)平均(jun)工資(zi)增長每年調整；商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)則(ze)按“多(duo)頭(tou)多(duo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)，少投少保(bao)(bao)(bao)(bao)(bao)(bao)(bao)，不(bu)(bu)(bu)(bu)投不(bu)(bu)(bu)(bu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)”的(de)(de)(de)(de)原則(ze)確(que)定理(li)(li)(li)(li)賠標準。 8、時間性(xing)不(bu)(bu)(bu)(bu)同(tong)(tong)：社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是國家穩定的(de)(de)(de)(de)、連續性(xing)的(de)(de)(de)(de)制度；商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是一次性(xing)、短(duan)期的(de)(de)(de)(de)企(qi)(qi)業(ye)(ye)(ye)行為(wei)(wei)(wei)。 9、法(fa)(fa)律基(ji)礎不(bu)(bu)(bu)(bu)同(tong)(tong)：社(she)(she)(she)(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)由(you)勞(lao)動(dong)(dong)法(fa)(fa)及(ji)其(qi)配(pei)套法(fa)(fa)規來立法(fa)(fa)，商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)則(ze)由(you)經濟(ji)法(fa)(fa)、商(shang)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法(fa)(fa)及(ji)其(qi)配(pei)套法(fa)(fa)規來立法(fa)(fa)。