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The author:(作者)hpmailerpublished in(发表于) 2013/11/28 8:23:41 Beijing is 3 million customized accident insurance for the elderly， parks and hurt will be indemnity
In future, the 3 million elderly in Beijing regardless of domicile, in public places, such as using public transportation or walk in the park or take part in social activities, fall, fall accident injury, accident insurance is available for payment, the maximum amount of 200,000 yuan.
Yesterday, the Beijing Municipal Bureau of Civil Affairs announced that Beijing about 70,000 poor, "three nil", loss of single elderly people, whose premiums would be paid for by the Government, other older people can be self insured, premium only 15 Yuan a year. The next step, also by enterprises, social organizations, units will be introduced in favour of collective insurance, to reduce the risk of them in service for the aged.
3 million elderly people in Beijing
It is understood that due to restricted mobility of the elderly, fall, falling, scrapes and other injuries the probability is much higher than in other age groups.
Beijing Civil Affairs Bureau Deputy Secretary, and, spokesman for Li Hongbing introduced, Beijing city on meet conditions of elderly launched free take bus, and shopping Park preferential treatment yilai, elderly travel and the participation social activities very widely, also on very easy suffered accident hurt, "this by Government main pushed of accident hurt insurance, main is to improve elderly against accident risk of capacity, from improve risk consciousness and guarantees system design aspects do rainy day. ”
According to reports, the accident insurance of the elderly is featured by the Government, but its operations, Executive, commercial insurance companies involved are responsible for, through bidding by the municipal Civil Affairs Bureau, the Municipal Finance Bureau, the ageing relies on China life insurance company limited Beijing Branch within in the city.
Li Hongbing introduced accident insurance designed for 50-59 retirees who live or work in Beijing and the elderly over 60 years of age and accident insurance project for the elderly provide protection in various kinds of activities when the accident occurred. Accident insurance annual insurance premium for 17 Yuan/insurance for a period of one year.
It is understood that by the end of 2012, city-domicile of the elderly aged 60 and above to reach 2.868 million, plus the usual elderly and is expected to total 3 million elderly people in Beijing, will all be able to cover the risk of accidental injury.
Paying 70,000 difficult old Government
"Government insurance for the aged in some difficulty. "Li Hongbing says, have a Beijing Hukou of 60 years of age and above to enjoy urban and rural minimum living guarantee of treatment staff, town" three noes "people, rural" five guarantees "objects, persons receiving special pensions and failed to enjoy regular pension benefits of single elderly will be centrally funded by the Beijing Municipal Finance Insurance, each enjoying a piece is estimated to be around 70,000 eligible older people to benefit from.
In addition to the difficulties the elderly, other older person may independently insured. China life insurance company limited Beijing branch-related charge, for each independent elderly people who are insured, premium 2 Yuan for each discount, insured 15/real contributions, each old person can insure themselves up 4.
Li Hongbing, the Government encourages the community sponsored by corporate donations, social, collective investment, their children and other forms of insurance for the elderly. This reporter learned that, in Shanghai, Shandong, Zhejiang and other provinces and cities have launched similar projects, but in contrast, accident insurance in addition to the low cost of insurance of the elderly in Beijing and its coverage is much broader, the principle compensates the standard higher.
It is understood that the above insurance companies opened "green channel in special accident insurance of the elderly in Beijing", districts and counties have set up outlets, and set up a 24-hour special service telephone 95,519, members of the public may call the hotline to find out more.
-Construction
1
Where the accidents can be compensated for the elderly?
Covered in public places
Li Hongbing introduced, Beijing elderly accident hurt insurance guarantees range covers elderly can enjoy offers and basic public service of various places, involves city domain within bus, and taxi, and Metro (city iron), three species public transport, Park, and Museum (homes), and public sports venues, and medical institutions, 12 species public service places, and endowment Management Service Center (station), and endowment (assistive) table and thanks to old (residual) by, 6 class for old service units.
However, apart from the above limitation of liability in other situations, such as elderly persons at home during the (accepted and signed contracts with the Government except during the service units and volunteer services for the aged), commercial period, leaves for accidents that occurred during the travel, are not covered by the insurance liability, the insurer does not bear the payment responsibility.
2
Was hit by a third party damage caused by whether they can still be paid?
Third party liability does not affect the payment
China life insurance company limited Beijing branch-related charge, as long as within the scope of accident insurance claims processing, regardless of whether there is a third party responsible, compensation insurance will be not subject to third-party effects. This means that, if the old man was hit and injured by the insurance company, in addition to pay, also fault claim according to the law.
On the paid amount, such as within the scope of the insurance for the elderly suffer accidental injuries (including poisoning, such as physical disability, death), awarded to a maximum of 50,000 yuan, as a result of accidental injury hospitalization, medical expenses reimbursement shall not exceed the total of 5,000 yuan. However, each old man up to take accident insurance 4, it also means that the insured person in case of an accident, you only need to spend 60 dollars to get 200,000 yuan to pay the highest premium, also available maximum 20,000 dollars in treatment costs paid.
-Case study
Burdening the elderly fall
Hurt because of an accident two years ago, Li was forced to live in a nursing home, until now, his leg also failed to fully recover.
91 year old Li had been living alone, because their children had died, usually the grandchildren are responsible for taking care of him. Two years ago, Li a person out of doors, accidentally slipped, after being taken to the hospital, "the doctor says it's broke his leg, took treatment to more than 40,000. ”
Enjoy including a treatment for the elderly, after after Medicare reimbursement, as well as related relief, they must pay nearly 10,000 yuan, the cost to the budget brought home a big burden.
Get treatment in time, but the old man's legs still had not been able to return to normal. Due to the reduced mobility, had no choice but to live in a nursing home for the elderly, "the grandchildren had to go to work, do not come every day to take care of me. ”
Old man, if there were an accident insurance, there would be no difficulties at home, can also be transmitted by accident insurance at least some cost-sharing, will not give grandchildren too much trouble, "when kids had just graduated from College, cannot come up with any money at all. ”
-Related
Nursing homes can be integrated on liability insurance
It is understood that the pension industry is a high-risk activity in elder and high risk services. Last year, Beijing launched the social service institutions for general liability insurance premiums mainly by municipal and district-level home and nursing home share, 349 House nursing home insurance, Government subsidies total 4.37 million.
Up to now, danger for the elderly amounted to 375, which fractures in 220 cases, accounting for 58.67% fell 120, accounting for 32% and 11 deaths, accounting for 2.93%, burn 15, animal bites, 8 by carbon monoxide poisoning.
"Any accident could make nursing home for the elderly in trouble. "Li Hongbing, through insurance payments, you can effectively protect the interests of the elderly and nursing home.
Xinhua reporters Chen Qiao Beijing times drawing what would
(Original title: accident insurance tailored for 3 million elderly people in Beijing)
今后，北京市300万老年人口不论户籍，在乘坐公共交通或逛公园等公共场所、或参加一些社会活动时，如发生跌倒、摔伤等意外伤害，均可获得意外伤害保险赔付，最高可获20万元。
昨天，北京市民政局宣布，北京约7万低保、“三无”、失独等老人，其保费将由政府买单，其他老年人可自主投保，保费一年仅15元。下一步，北京还将出台以企业、社会组织、单位为受益人的集体保险，以降低它们在为老服务中的风险。
300万北京老人可参保
据了解，老年人由于行动不便，发生跌倒、摔伤、擦伤等意外伤害的概率远高于其他年龄段。
北京市民政局副局长、新闻发言人李红兵介绍，北京市对符合条件的老年人推出免费乘公交、逛公园优待以来，老年人出行及参与社会活动非常广泛，也就非常容易遭受意外伤害，“这次由政府主推的意外伤害险，主要是为了提高老年人抵御意外风险的能力，从提高风险意识和保障制度设计方面做到未雨绸缪。”
据介绍，老年人意外伤害险虽由政府主推，但其操作、执行、涉及等均由商业保险公司来负责，通过招标，由市民政局、市财政局、市老龄办依托中国人寿保险股份有限公司北京市分公司在全市范围内推行。
李红兵介绍，意外伤害险专门针对在京生活或工作的50至59周岁退休人员、60周岁及以上老年人的意外伤害保险项目，为老年人在各类活动场所发生意外伤害时提供保障。意外伤害险年度保险费为17元/份，保险期限为一年。
据了解，截至2012年底，北京全市60岁及以上的户籍老年人达到了286.8万，加上常住老年人口，预计北京市共有300万老年人，均可参与投保意外伤害险。
7万困难老人政府买单
“政府将为部分困难老年人买保险。”李红兵说，具有北京市户籍60周岁及以上的享受城乡最低生活保障待遇人员、城镇“三无”人员、农村“五保”对象、享受定期抚恤补助的优抚对象及失独老年人，将由北京市财政统一出资投保，每人享受一份，预计约7万符合条件的老年人受益。
除了困难老年人，其他老人均可自主投保。中国人寿保险股份有限公司北京市分公司相关负责人介绍，对于每名自主投保的老年人，将给予每份2元的保费优惠，参保人实际缴纳保险费为15元/份，每位老人最多可为自己投保4份。
李红兵表示，政府鼓励社会各界以企业捐赠、社会赞助、集体出资、子女购买等形式为老年人购买保险。记者了解到，目前上海、山东、浙江等省市已推出类似项目，但相比而言，北京老年人意外伤害保险除了保险费用低，其保险范围更广，理赔标准也更高。
据了解，上述保险公司目前已开通“北京老年人意外伤害保险专项绿色通道”，各区县均设有网点，并设置了24小时专项服务电话95519，市民均可拨打该热线了解详情。
□释疑
老人在什么地方发生意外可获赔付？
各类公共场所基本涵盖
李红兵介绍，北京老年人意外伤害保险保障范围涵盖老年人可享受优惠和基本公共服务的各类场所，涉及市域内公交车、出租车、地铁(城铁)等三种公共交通工具，公园、博物馆(院)、公共体育场馆、医疗机构等12种公共服务场所，以及养老管理服务中心(站)、养老(助残)餐桌以及托老(残)所等6类为老服务单位。
不过，除上述责任范围之外的其他情形，例如老年人在家期间(接受与政府签约的为老服务单位及志愿者服务期间除外)、商业场所期间、离京旅游期间等发生的意外伤害事故，均不属于保险责任范围，保险人不承担保险金给付责任。
被第三者撞到导致的伤害是否仍可获赔付？
第三方责任人不影响赔付
中国人寿保险股份有限公司北京市分公司相关负责人介绍，只要在意外伤害险的理赔范围内，无论是否有第三方责任人，保险均将予以赔偿，不受第三方影响。这意味着，如果老人是被人撞到而受伤，除了可以获得保险公司赔付，还可以向过错方依法索赔。
在赔付金额上，老人如在保险责任范围内遭受意外伤害(包括中毒、身体残疾、身故等)，最高可获赔5万元，如因意外伤害事故入院治疗，在医疗费用方面赔付总额不超5000元。不过，每位老人最多可投意外伤害险4份，这也意味着参保人一旦发生意外，只需要花60元即可最高获得20万元赔付保险金，在治疗费用方面也可最高获得2万元赔付。
□案例
老人摔伤带来负担
因为两年前一场意外的摔伤，李大爷不得不住进了养老院，一直到现在，他的腿也未能完全恢复。
今年91岁的李大爷一直独自一个人生活，因为儿女已经过世，平时由孙儿负责照顾他。两年前，李大爷一个人出门时，不小心滑倒了，被人送到医院后，“医生说是腿给摔折了，治疗费花了4万多。”
老人享受低保待遇，经过医保报销以及相关救助后，自己仍需承担近1万元，这笔费用给本就拮据的家里带来了很大负担。
尽管及时得到了治疗，但老人的腿仍一直没能恢复到完全正常。由于行动不便，老人不得已住到了养老院，“孙儿得去工作，根本没法天天来照顾我。”
老人表示，如果当时有了意外伤害险，就不会给家里带来困难，起码也能通过意外伤害险分担一些费用，不会给孙儿添太大麻烦，“那会儿孩子刚刚大学毕业，根本拿不出什么钱来。”
□相关
养老院可上综合责任险
据了解，养老业是一个集高龄、高危人群活动的高风险服务行业。去年，北京市推出养老服务机构综合责任保险，保费主要由市、区级民政及养老机构共同承担，有349家养老机构投保，政府共给予补贴437万。
截至目前，老人出险共计375次起，其中骨折220起，占到58.67%，摔伤120起，占32%，死亡11起，占到2.93%，烧烫伤15起，动物咬伤8起，一氧化碳中毒一起。
“老人任何一起事故都可能让养老机构陷入困境。”李红兵表示，通过保险赔付，则可以有效保护老人和养老机构的利益。
京华时报记者陈荞京华时报制图何将
(原标题：北京为300万老人定制意外险)
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