問(wen) 我之前(qian)買過(guo)保(bao)險，現在上班(ban)了(le)，公(gong)司說還要買保(bao)險，企業買的社保(bao)和自己買的保(bao)險有什么區別(bie)啊？

答 主要三點不(bu)(bu)(bu)同(tong)(tong) 1、屬(shu)性(xing)不(bu)(bu)(bu)同(tong)(tong)社(she)(she)(she)會(hui)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，是(shi)(shi)社(she)(she)(she)會(hui)制度形式的，具有非(fei)贏利(li)性(xing)質(zhi)的保(bao)(bao)(bao)(bao)(bao)障體系，稱得(de)上是(shi)(shi)一(yi)種(zhong)社(she)(she)(she)會(hui)福利(li)。商業醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，是(shi)(shi)人(ren)壽保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)運用經濟補(bu)償手段(duan)經營的一(yi)種(zhong)險(xian)(xian)(xian)種(zhong)，是(shi)(shi)一(yi)種(zhong)經濟活動(dong)。保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)是(shi)(shi)要盈(ying)利(li)的。 2、保(bao)(bao)(bao)(bao)(bao)障對(dui)(dui)象和作(zuo)用不(bu)(bu)(bu)同(tong)(tong)社(she)(she)(she)會(hui)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，保(bao)(bao)(bao)(bao)(bao)障對(dui)(dui)象為勞動(dong)者，當(dang)勞動(dong)者因患病(bing)就醫(yi)(yi)而(er)支出醫(yi)(yi)療(liao)(liao)費用時，由社(she)(she)(she)會(hui)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)部門(men)或其委托單位給予基本補(bu)。商業醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，保(bao)(bao)(bao)(bao)(bao)障對(dui)(dui)象為自(zi)然人(ren)，保(bao)(bao)(bao)(bao)(bao)障被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)因意(yi)外傷害或疾病(bing)而(er)支出醫(yi)(yi)療(liao)(liao)費用時，可獲得(de)一(yi)定的經濟補(bu)償以減輕損(sun)失(shi)。 3、保(bao)(bao)(bao)(bao)(bao)障范(fan)圍(wei)不(bu)(bu)(bu)同(tong)(tong)社(she)(she)(she)會(hui)醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，保(bao)(bao)(bao)(bao)(bao)障范(fan)圍(wei)覆(fu)蓋面相(xiang)對(dui)(dui)更廣，大致包括：門(men)診(zhen)、住院、重大疾病(bing)等情(qing)況(kuang)。后(hou)兩者有最(zui)低(di)給付標(biao)準(zhun)要求。商業醫(yi)(yi)療(liao)(liao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，單一(yi)險(xian)(xian)(xian)種(zhong)的覆(fu)蓋面比較有限，最(zui)佳保(bao)(bao)(bao)(bao)(bao)障需(xu)險(xian)(xian)(xian)種(zhong)組合(he)，對(dui)(dui)于門(men)診(zhen)報銷多數不(bu)(bu)(bu)報銷。藥(yao)物情(qing)況(kuang)需(xu)滿足醫(yi)(yi)保(bao)(bao)(bao)(bao)(bao)要求。