职工互助合作保险与社会保险、商业保险同属于我国社会保障体系的组成部分,然而它又与社会保险、商业保险有着很大的区别,在我国社会保障体系中发挥着其它形式保险不可替代的作用。职工互助合作保险与社会保险、商业保险的主要区别在于自愿性和强制性,服务性和盈利性。社会保险就是我们经常说的社会养老统筹和基本医疗统筹,由政府劳动部门组织实施,带有强制性。社会保险基金大部分来源于企业,个人出少部分,当支付金不足时,由国家财政兜底予以补贴。它是一种强制性、服务性的政府行为。商业保险是由商业保险公司经营,如中国人寿保险公司、太平洋保险公司、平安保险公司等。这些保险公司把保单作为商品出售,与投保者形成契约关系,当然投保者属自愿。商业保险通过保费资金运作追求利润,获取的利润属于保险公司企业法人。它是一种自愿性、盈利性的商业行为。职工互助合作保险是由工会倡导、职工自愿参加、自筹资金、自我服务的公益性事业。参加互助合作保险 However, it is very different from social insurance and commercial insurance, and plays an irreplaceable role in the social security system of our country. Other insurances, social insurance and commercial insurance belong to the social security system in our country. . The main difference between employee mutual cooperative insurance and social insurance and commercial insurance is voluntary and mandatory, service and profitability. Social insurance is what we often say that the social pension system and basic medical system are co-ordinated by the labor department of the government, which is mandatory. Most social insurance funds come from enterprises and individuals, and when the payment is insufficient, they are subsidized by the state treasury. It is a mandatory, service-oriented government act. Commercial insurance is run by commercial insurance companies such as China Life Insurance Company, Pacific Insurance Company, Ping An Insurance Company and others. These insurance companies sell the policy as a commodity, forming a contractual relationship with the insured. Of course, the insured is a voluntary one. Commercial insurance pursues profits through the operation of premium funds, and the profits obtained belong to the legal persons of insurance companies. It is a voluntary, profitable business practice. Employee Mutual Assistance and Cooperation Insurance is a nonprofit career advocated by the trade unions, employees voluntarily participating, self-financing and self-serving. To participate in mutual cooperation insurance