問 我之(zhi)前買(mai)(mai)(mai)過保險，現(xian)在上班了，公司(si)說還要(yao)買(mai)(mai)(mai)保險，企(qi)業買(mai)(mai)(mai)的(de)社保和自己買(mai)(mai)(mai)的(de)保險有什么區別(bie)啊？

答 主要(yao)三點不(bu)(bu)同 1、屬性不(bu)(bu)同社會(hui)醫(yi)(yi)(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，是(shi)(shi)社會(hui)制度形(xing)式(shi)的，具有(you)非贏利性質的保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)體系，稱得上是(shi)(shi)一(yi)種(zhong)社會(hui)福利。商業(ye)醫(yi)(yi)(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，是(shi)(shi)人(ren)(ren)壽保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司運用經濟補(bu)償(chang)手(shou)段經營的一(yi)種(zhong)險(xian)(xian)(xian)(xian)種(zhong)，是(shi)(shi)一(yi)種(zhong)經濟活(huo)動。保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公司是(shi)(shi)要(yao)盈利的。 2、保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)對(dui)象和作用不(bu)(bu)同社會(hui)醫(yi)(yi)(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)對(dui)象為勞動者，當勞動者因患(huan)病(bing)(bing)就醫(yi)(yi)(yi)(yi)而(er)支(zhi)出醫(yi)(yi)(yi)(yi)療(liao)費(fei)用時(shi)(shi)，由社會(hui)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)部門(men)或(huo)其委(wei)托單(dan)位給(gei)予基本補(bu)。商業(ye)醫(yi)(yi)(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)對(dui)象為自(zi)然人(ren)(ren)，保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)因意外(wai)傷(shang)害或(huo)疾病(bing)(bing)而(er)支(zhi)出醫(yi)(yi)(yi)(yi)療(liao)費(fei)用時(shi)(shi)，可獲得一(yi)定的經濟補(bu)償(chang)以減輕損失。 3、保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)范圍(wei)不(bu)(bu)同社會(hui)醫(yi)(yi)(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)范圍(wei)覆蓋面(mian)相對(dui)更(geng)廣，大致包括：門(men)診(zhen)、住院、重大疾病(bing)(bing)等情(qing)況。后兩者有(you)最低給(gei)付標(biao)準要(yao)求。商業(ye)醫(yi)(yi)(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，單(dan)一(yi)險(xian)(xian)(xian)(xian)種(zhong)的覆蓋面(mian)比較有(you)限(xian)，最佳保(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)(zhang)需(xu)險(xian)(xian)(xian)(xian)種(zhong)組合，對(dui)于門(men)診(zhen)報銷(xiao)多數不(bu)(bu)報銷(xiao)。藥物(wu)情(qing)況需(xu)滿(man)足(zu)醫(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)(bao)要(yao)求。