Protecting People'S Livelihood &Nbsp; Two Risks Complement Each Other.

The comprehensive law of the first social insurance system in China, the social insurance law, will be implemented in July 1st this year.

It is reported that the social insurance law has two bright spots in the basic system, which are the coverage of the people and the people.

The full coverage of social security is conducive to commercial insurance to mobilize its own advantages, play a complementary protection function, and better serve the people's livelihood.

The implementation of the social security law and social security will play a positive role in promoting individual business insurance.

The social insurance law, implemented in July 1st, has incorporated all the employing units and individuals in our country into the coverage of the social insurance system.

Among them, the basic old-age insurance system and the basic medical insurance system cover all the urban and rural residents in China.

That is, the employing units and their employees should take part in the basic old-age insurance for employees and basic medical insurance for employees. Non employees who have no employees, non full-time employees who participate in social insurance and other flexible employees can take part in the basic old-age insurance for employees and basic medical insurance for workers. Rural residents can participate in the new rural social endowment insurance and new rural cooperative medical care; urban residents who are not employed can participate in the social endowment insurance for urban residents and the basic medical insurance for urban residents; the rural residents who go to work in cities will participate in social insurance according to the provisions of this law; and the old-age insurance for staff managed by civil servants and reference civil servants shall be stipulated by the State Council.

Industrial injury insurance, unemployment insurance and maternity insurance system cover all employers and their employees.

The implementation of the social security law will play a positive role in promoting individual business insurance, and this huge network of social security will cover everyone.

Under such circumstances, the social insurance act is conducive to commercial insurance to mobilize its own advantages, play a complementary protection function, and better serve the people's livelihood.

Unlike commercial insurance, social insurance is guaranteed, not for profit, and commercial insurance has the following advantages.

There are two milestones in the history of social security: first, the first social security system was established in Germany during the Bismarck era; the two was the establishment of a comprehensive social security system in 1935 and the institutionalization of social security, which had a great impact on the globalization of social security system after World War II.

In the development of social security system, World War II is a watershed.

In general, the social security system before World War II may be different from other countries in terms of coverage, coverage and level of protection, but the same thing is: social security is only to ensure that residents have the necessary means of subsistence.

After World War II, social security entered a new stage, and Welfare States appeared one after another, and its pioneer was Britain.

In 1970s, the practice of social security reform appeared in industrial countries.

There are five main characteristics: 1. the objective basis of social insurance is the risk existing in the field of labor; the subject of insurance is the person of the laborer; 2., the main body of social insurance is specific, including workers (including their relatives) and employers; 3. social insurance is compulsory insurance; 4., the purpose of social insurance is to maintain the reproduction of labor force; 5., the insurance fund comes from the payment and financial support of employers and laborers.

The object of insurance is limited to employees, excluding other members of society.

The coverage of insurance is limited to all kinds of risks in labor risk, excluding the risks of property and economy.

"The implementation of the social security law has set up a higher platform for my exhibition industry. People will learn more about commercial insurance knowledge and value when they enjoy social insurance."

China Life Insurance [18.42 -0.75% stock] Zhejiang branch Zhao told reporters.

He gave his partners a simple example: going out in winter and wearing a cashmere sweater would feel a bit cold, but for the time being, the cashmere sweater would be equivalent to social insurance; if it had a coat on the cashmere sweater, it would be different. It would feel a lot warmer, and the temperature would also be able to adapt. The coat is commercial insurance.

So once we have this cashmere sweater, I believe more people will consider the coat.

Commercial insurance: popularization of thousands of households

The so-called commercial insurance refers to the form of insurance for the purpose of making profits through the operation of insurance contracts, and is operated by specialized insurance companies.

What we call insurance refers to commercial insurance.

The so-called commercial insurance refers to the form of insurance for the purpose of making profits through the operation of insurance contracts, and is operated by specialized insurance companies.

The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties. The insurer pays the insurance premium to the insurance company in accordance with the contract, and the insurance company assumes the liability for compensation for the loss of property caused by the accident that may occur in accordance with the contract, or is liable to pay the insurance premium when the insured is dead, disabled or sick or reaches the agreed age and time limit.

The characteristics of commercial insurance are: the main body of commercial insurance is the Business insurance company; the commercial insurance reflects the insurance relationship embodied in the insurance contract; the object of commercial insurance can be people and objects (including physical and intangible), specific objects are people's lives and bodies, property and property related interests, responsibilities, credit, etc.; the business of commercial insurance is for profit purposes, and the maximum profit must be obtained so as to ensure that the insured enjoy the greatest degree of economic security.

"What we sell is the commercial insurance of the insurance company. Every sale product will be different because of different people, but the product is absolutely tailor-made for the customers."

Ping An Life Ningxia branch Zhao Jing said.

Similar to her, Deng Huaguan, a Guangzhou branch of China Life Insurance, also expressed his trust in commercial insurance to reporters. He said, "there are many kinds of commercial insurance. What are the advantages of these kinds of insurance?

Respect, enjoy the sick, have the medical treatment, let the people see the disease, live without discounts, love has been followed, the insurance allows the family and the love to continue the guarantee; the child protects, protects the insurance for the child's education plan and the growth to escort; the strong has the dependence, the insurance is free from worries, makes the best effort to achieve the enterprise; the family receives, drinks the water to think the source of the parents' kindness, the life insurance raises the parents, the disabled has the war, the accident, the sickness is disabled, the insurance safeguards my dignity; the money has the plot, the small money changes the big money, the increment protects the value and is safe; the production has the guarantee, the most secure hedge method is the purchase insurance; the finance has the bearing, accumulates the life wealth, does not have the regret to benefit the family member. I think there are 10 things to worry about in life. Only insurance can help you: take care of your old age and ensure your happiness in your old age.

These functions of insurance can only be understood slowly when we all accept social insurance.

It is through our continuous communication with customers that we have sent commercial insurance to millions of households.