問 我之前買(mai)(mai)過保(bao)險(xian)，現在上班(ban)了，公司說(shuo)還要買(mai)(mai)保(bao)險(xian)，企(qi)業買(mai)(mai)的(de)社保(bao)和自(zi)己買(mai)(mai)的(de)保(bao)險(xian)有什么區別啊？

答(da) 主要三(san)點不同(tong)(tong) 1、屬性(xing)不同(tong)(tong)社(she)(she)會(hui)(hui)醫(yi)療保(bao)(bao)(bao)(bao)險(xian)，是(shi)社(she)(she)會(hui)(hui)制度(du)形式的(de)(de)(de)，具有(you)非(fei)贏利(li)性(xing)質的(de)(de)(de)保(bao)(bao)(bao)(bao)障(zhang)(zhang)(zhang)體系，稱得(de)上是(shi)一種(zhong)社(she)(she)會(hui)(hui)福利(li)。商業(ye)醫(yi)療保(bao)(bao)(bao)(bao)險(xian)，是(shi)人壽(shou)保(bao)(bao)(bao)(bao)險(xian)公司運(yun)用經(jing)(jing)濟補償手段經(jing)(jing)營(ying)的(de)(de)(de)一種(zhong)險(xian)種(zhong)，是(shi)一種(zhong)經(jing)(jing)濟活(huo)動(dong)。保(bao)(bao)(bao)(bao)險(xian)公司是(shi)要盈利(li)的(de)(de)(de)。 2、保(bao)(bao)(bao)(bao)障(zhang)(zhang)(zhang)對(dui)(dui)象和作用不同(tong)(tong)社(she)(she)會(hui)(hui)醫(yi)療保(bao)(bao)(bao)(bao)險(xian)，保(bao)(bao)(bao)(bao)障(zhang)(zhang)(zhang)對(dui)(dui)象為勞(lao)(lao)動(dong)者，當勞(lao)(lao)動(dong)者因(yin)患(huan)病(bing)就醫(yi)而支出醫(yi)療費(fei)(fei)用時，由社(she)(she)會(hui)(hui)保(bao)(bao)(bao)(bao)險(xian)部(bu)門(men)(men)或其委(wei)托單位(wei)給予(yu)基本補。商業(ye)醫(yi)療保(bao)(bao)(bao)(bao)險(xian)，保(bao)(bao)(bao)(bao)障(zhang)(zhang)(zhang)對(dui)(dui)象為自然人，保(bao)(bao)(bao)(bao)障(zhang)(zhang)(zhang)被保(bao)(bao)(bao)(bao)險(xian)人因(yin)意外(wai)傷害或疾病(bing)而支出醫(yi)療費(fei)(fei)用時，可獲得(de)一定的(de)(de)(de)經(jing)(jing)濟補償以減(jian)輕(qing)損失(shi)。 3、保(bao)(bao)(bao)(bao)障(zhang)(zhang)(zhang)范(fan)圍(wei)不同(tong)(tong)社(she)(she)會(hui)(hui)醫(yi)療保(bao)(bao)(bao)(bao)險(xian)，保(bao)(bao)(bao)(bao)障(zhang)(zhang)(zhang)范(fan)圍(wei)覆蓋面相對(dui)(dui)更廣，大致包括：門(men)(men)診、住院、重(zhong)大疾病(bing)等情(qing)況。后(hou)兩者有(you)最(zui)低(di)給付標(biao)準(zhun)要求(qiu)。商業(ye)醫(yi)療保(bao)(bao)(bao)(bao)險(xian)，單一險(xian)種(zhong)的(de)(de)(de)覆蓋面比較有(you)限(xian)，最(zui)佳保(bao)(bao)(bao)(bao)障(zhang)(zhang)(zhang)需險(xian)種(zhong)組合，對(dui)(dui)于門(men)(men)診報銷(xiao)多(duo)數不報銷(xiao)。藥物情(qing)況需滿足醫(yi)保(bao)(bao)(bao)(bao)要求(qiu)。