hjh 寫:poki 寫:Ocean 寫:立法強迫加保
才是可恥
花錢買健康保險
多花錢又沒得到更好的照顧
沒辦法的人只有忍氣吞聲
有辦法閃避的人
沒有人願意當冤大頭
這樣很可恥?
立法強迫繳稅是不是也很可恥?
poki大大..... 以下是就事論事
希望不會造成您的不快
社會保險跟商業保險唯一的差別是
商業保險以營利為目的，會有盈餘，而社會保險沒有盈餘
也就是說商業保險以保險為手段來達成商業目的
而社會保險的的唯一目的就是保險本身, ie. 眾人共同分攤風險
我不會不快樂, 但你顯然不太清楚社會保險, 前提不對, 後面就不用多看了
http://en.wikipedia.org/wiki/Social_insurance
Differences from private insurance
Typical differences between private insurance programs and social insurance programs include:
* Equity versus Adequacy: Private insurance programs are generally designed with greater emphasis on equity between individual purchasers of coverage, while social insurance programs generally place a greater emphasis on the social adequacy of benefits for all participants.
* Voluntary versus Mandatory Participation: Participation in private insurance programs is often voluntary, and where the purchase of insurance is mandatory, individuals usually have a choice of insurers. Participation in social insurance programs is generally mandatory, and where participation is voluntary, the cost is heavily enough subsidized to ensure essentially universal participation.
* Contractual versus Statutory Rights: The right to benefits in a private insurance program is contractual, based on an insurance contract. The insurer generally does not have a unilateral right to change or terminate coverage before the end of the contract period (except in such cases as non-payment of premiums). Social insurance programs are not generally based on a contract, but rather on a statute, and the right to benefits is thus statutory rather than contractual. The provisions of the program can be changed if the statute is modified.
* Funding: Individually purchased private insurance generally must be fully funded. Full funding is a desirable goal for private pension plans as well, but is often not achieved. Social insurance programs are often not fully funded, and some argue that full funding is not economically desirable.[3]
把你打醒...都沒米下鍋了. 還想養狗!
