建立社会保险和商业人身保险互动机制刍议

To Establish the Interact Mechanism between Social Insurance and Commercial Personal Insurance

在我国现行体制下,社会保险与商业人身保险组合未能覆盖所有群体,不能满足群众多层次多元化需求。因此,社会保险和商业保险有必要建立业务互动关系,发挥各自的经济补偿功能,提供优势互补的保障服务,消除保险未覆盖的空白区域,满足人们对保险的多层次多元化需求,从而更有效地维护广大群众的切身利益。

In the current system of China, the social insurance and commercial personal insurance can not cover all of groups of people and can not meet with multi demands of the mass. Therefore, we should establish the interact mechanism between social insurance and commercial insurance to give full play of their function of economic compensation, and to offer the service of mutual advantage complement.