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The author:(作者)aaapublished in(发表于) 2013/12/6 12:12:03 Insurance package on dystocia of more than 2 million volunteers in Beijing-Beijing-volunteers
Yesterday was the 28th "International Volunteer Day", a reporter from the Beijing volunteer Counseling Center understand that, to insure the city's 2.26 million registered volunteers programme has become more than a year, but because of the funding gap is huge, "giving birth".
With the obligations of the month swept bridges on 11 "sweeps the bridge Grandpa" Dou Zhen inadvertently "involve" falls on accidental death, volunteer insurance volunteers are most concerned about is the topic of the content.
Case
Volunteers had no choice but to sign the death
Zhao Peifeng Beijing Emergency Volunteer Service Corps captain, he had been the Wenchuan earthquake, yushu earthquake, Beijing "7·21" major disasters, such as disaster relief and rescue, lost daily was also involved in the rescue the wild guests. Over the years, he has been running emergency volunteer insurance.
"Other provinces there have been such a problem, an outdoor Club hurt maim rescue volunteers for their involvement in the wild, his family sued for the Club, which is in particular, we do not want to see. "Zhao Peifeng said that before 2008, he took part in the field more than once in the rescue, have signed a" life form "stating that if something goes wrong does not require compensation for teams. "This was Hobson 's, I'm afraid I might get involved in the rescue buddy. ”
After the 2008 Wenchuan earthquake, Zhao Peifeng first time participation in municipal operations, but was not aware of insurance issues. "Who fought that rescue, come back later, I start thinking about myself and companion security. "Since the year before last, Zhao Peifeng emergency corps of over more than 50 experts and volunteers commercial insurance at their own expense, premiums of more than more than 200 Yuan a year. "This is our consultation, a foreign insurance companies on insurance, we only found this one can work for high risk insurance for damages. ”
Zhao Peifeng, emergency volunteer service for the emergency rescue, insuring a vacuum period between the effective date and period of service, which requires special coverage for emergency volunteer. In addition volunteer mobility, non-mandatory, join or leave at any time, require insurance useful to group insurance, list each time out just the papers, not for everyone insured. He also recommended that the voluntary insurance industry standards should be developed, and emergency service volunteers should refer to the high-risk occupational safety standards.
The current situation
Specific insurance schemes form a year to implement
The reality, however, experienced volunteer insurance in obstructed labour.
Volunteer service and counseling center in Beijing in a staff member's computer, on voluntary insurance programme has recently been put back on the desktop, it is understood that the programme is more than a year. He said: "Beijing volunteers once the real-name registration is implemented, the Centre has drafted two options and financial institutions, including one set for all volunteers and another specifically for emergency volunteers, but for various reasons, also has stayed ' programme ' stage. ”
Seen in Beijing Youth daily reporter on the programme, different types of volunteers have relevant insurance lines, how to start and exit the insurance are also specified in detail. Programme wrote: "ordinary volunteers, community volunteers, volunteer insurance liability law and order: 50,000 accidental death benefit insurance, accidental dismemberment insurance of 50,000 yuan, accident medical insurance coverage of 2,500 Yuan. "" General Emergency Volunteer insurance liability: 100,000 accidental death benefit insurance, accidental dismemberment insurance of 100,000 yuan, accident medical protection coverage of 5,000 yuan. "" First-line emergency volunteer insurance liability: accidental death benefit-risk of 200,000 yuan, accidental dismemberment insurance of 200,000 yuan, accident medical protection insurance of 20,000 yuan. "The programme provides volunteer card to participate in volunteer activities, their volunteer work has not yet reached a year one-hour service standard, the second year would cancel the insurance function of the joint.
In this scenario, volunteer insurance costs paid by the financial institution, but policyholders age limit of 18 to 65 years old. In this way, volunteers less than 18 years of age or older than 65 years are not included in the insurance context.
Huge funding gap into the insured's largest obstacle
Why volunteer insurance from being implemented? King Center win said: "at present, Beijing has more than 2.26 million to register with real names of volunteers, even the insurance costs 10 dollars per person, also needs to more than 20 million a year, from where the money is the biggest problem. If you follow the existing programmes, it cannot cover all volunteer groups that do not cover volunteer is an unfair. ”
Beiqing news yesterday from a few well-known insurance company customer service informed that there were no major insurer of specialized insurance products for groups of volunteers. Journalists randomly measured the age restrictions of commercial personal accident insurance fee to ping an insurance, for example, the one-year General accident insurance (disability killed 50,000 yuan, 50,000 yuan, 5,000 yuan medical) insurance costs from USD 82.6 per cent, currently registered volunteer 2,261,087 in this city, for all registered volunteer insurance costs about $ 187 million dollars from the previous year.
It is understood that, in recent years, games, Garden fair, were taken by the Organizing Committee or event partner providing insurance for volunteers.
This version of the article/reporter Shi 祎
Photographer/reporter Yuan Yi
System
Insurance for volunteers has been written to the legal regulations
North Green newspaper reporter, volunteer service and Counseling Center, arrived in Beijing yesterday, where bulletin boards about Dou Zhen is still stuck on the old man's story, a few days ago, volunteers had a spontaneous tribute to the "sweeping bridges, Grandpa". King Center win said: "volunteers are difficult to know that the news of the death of the elderly, volunteer security topic was brought up again now, we hope that as soon as possible for all registered volunteers on insurance. ”
It is understood that this municipality has introduced the Beijing volunteering for regulation and the Beijing volunteer management procedures (trial implementation), which have contents insurance for volunteers. On September 14, 2007 issued by the Beijing volunteering for 18th of the regulations States that volunteer organizations and other organizations to undertake voluntary service activities, shall consult with the receiving volunteer service organizations or individuals, as required, for volunteering for the corresponding insurance. Launched in October 2010, the Beijing municipal volunteer management procedures (trial implementation) article Nineth: volunteer organization in the recruitment of volunteers, should be made public and voluntary service true, accurate and complete information relating to the project, and specifically tell you from possible risks of volunteer service. Volunteer services for major events and emergency volunteer service, organized by the volunteer organizations or services personal accident insurance for volunteers; in regular volunteering, conditional voluntary organisation may, as required, and personal accident insurance for volunteers.
Experts say
Volunteer insurance costs should be paid
Beijing said Zhang Xiaohong, Vice President of volunteer development association, volunteer insurance is the most basic is the best guarantee and encouragement of volunteers, generally provides insurance is tripartite funding for volunteer abroad. Such as the United States, is for the Government to provide funding for volunteer organizations, draw a certain proportion of them purchase insurance for volunteers, but not in full. General 60% are paid by the Government, 30% for volunteer organizations or social mobilization, 10% for the volunteers themselves. In addition, there are some implicit insurance, such as the United States provides over 1400 hours of community service for young people, 4,725-dollar package will be offered a scholarship.
Zhang Xiaohong, said Chinese commercial insurance is far less United States developed, there are currently no volunteer insurance, volunteers are personal accident insurance are insured, she suggested to have professional insurance institutions to develop volunteer insurance. In the context of financing, dominated by Government subsidies, corporate sponsorships could be introduced.
Other provinces experience
Shenzhen began to explore for insuring volunteers
Volunteer service and counseling center staff in Beijing kept a picture of the Shenzhen volunteers (volunteer) card instruction manual that says Shenzhen volunteers are entitled to the insurance program, those insurance costs from business card financial institution. Shown above: Shenzhen volunteer (volunteer) card with insurance services, volunteer insurance services for Shenzhen within the course of their volunteer service. Its scope of protection is handling the cards in Shenzhen and Shenzhen volunteers volunteers volunteers is ongoing within the context. During the insurance period, insured in the voluntary service in the course of accidental injury resulting in death, disability or medical expenses, BOC insurance is liable for death of disability insurance or medical costs. Accidental death and accidental dismemberment of safeguards limit is 100,000 yuan, accident medical protection is 5,000 yuan.
(Original title: 2.26 million insurance package on dystocia of volunteers)
昨天是第28个“国际志愿者日”，记者从北京市志愿服务指导中心了解到，为本市226万注册志愿者上保险的具体方案已经形成了一年多，但由于资金缺口巨大，一直处于“难产”状态。
随着上月底义务扫桥11年的“扫桥爷爷”窦珍不慎从“连心桥”上跌落意外死亡，志愿者保险的话题又成为志愿者们最关心的内容。
个案
志愿者曾无奈签下生死状
赵培锋是北京市应急志愿者服务总队队长，先后参与汶川地震、玉树地震、北京“7·21”灾害救援等重大灾害救援，日常还参与救援野外走失驴友。这些年来，他一直在为应急志愿者保险问题奔走。
“外省市曾发生过这样的问题，一个户外俱乐部的志愿者因参与野外救援摔伤致残，他的家属将俱乐部起诉要求赔偿，这是我们特别不愿看到的情况。”赵培锋说，2008年前后，他参与的多次野外救援过程中，都曾签下“生死状”，声明如果出事不要求所在团队赔偿。“这是无奈之举，我怕会连累一起参与救援的好哥们儿。”
2008年汶川地震发生后，赵培锋第一时间参与团市委的救援行动，但那次并没有意识到参保问题。“那次救援可谓出生入死，回来后我开始思考自己和同伴的安全保障。”从前年开始，赵培锋和应急总队的50多名骨干志愿者自费上了商业保险，一年保费200多元。“这是我们多方咨询后，上的一家外国保险公司的保险，我们目前只找到这一家可以为高风险工作赔偿的保险。”
赵培锋表示，应急救援志愿者服务多为突发事件，投保生效期和服务期之间有一段真空时间，这就要求有针对应急志愿者的特殊险种。此外志愿者流动性强，无强制性，随时有人加入或退出，这样要求保险最好能够上团体险，每次出任务只需报上名单，不用针对每个人投保。他还建议应制定志愿者保险的行业标准，应急救援志愿者应参考高风险职业的保险标准。
现状
具体保险方案形成一年未落实
然而，现实中志愿者上保险却遭遇了难产。
在北京市志愿服务指导中心一名工作人员的电脑中，关于志愿者保险的方案最近被重新放在了桌面上，据了解，这份方案形成已有一年多。他说：“北京志愿者实现实名注册后，中心就已经和金融机构草拟了两套方案，其中一套是针对所有志愿者，另一套专门针对应急志愿者，但目前因为种种原因，还一直停留在‘方案’阶段。”
北京青年报记者在方案中看到，不同类型的志愿者有相应的保险额度，如何启动和退出保险也有详细规定。方案中写道：“普通志愿者，如社区志愿者、治安志愿者保险责任：意外身故保障险5万元，意外残疾保障险5万元，意外医疗保障险2500元。”“普通应急志愿者保险责任：意外身故保障险10万元，意外残疾保障险10万元，意外医疗保障险5000元。”“一线应急志愿者保险责任：意外身故保障险20万元，意外残疾保障险20万元，意外医疗保障险2万元。”方案还规定，当志愿者持卡参加志愿服务活动，其志愿服务工时未达到一年30小时服务标准时，该联名卡第二年将取消保险功能。
此方案中，志愿者的投保费用由金融机构支付，但投保人年龄限制在18岁至65岁。这样，小于18岁或大于65岁的志愿者就不包括在保险范围内了。
巨额资金缺口成投保最大障碍
志愿者保险为何一直未被落实？中心负责人王赢说：“北京目前有超过226万实名注册志愿者，即使是每人投保费用10块钱，一年也需要2000多万，钱从哪里来是最大的问题。如果按照现有方案，就不能覆盖所有志愿者人群，对于未覆盖的志愿者是一种不公平。”
北青报记者昨天从几家知名保险公司客服了解到，目前还没有一家保险公司有针对团体志愿者的专门险种。记者随机测算了不受年龄限制的商业人身意外险费用，以平安保险为例，一年期综合意外险(5万元身亡、5万元残疾、5000元医疗)投保费用为82.6元起，目前本市有注册志愿者2261087名，这样为所有注册志愿者上一年的保险费用约为1.87亿元。
据了解，近年来，奥运会、园博会等都是由赛事组委会或者赛事的合作伙伴为志愿者提供保险。
本版文/本报记者 史祎
摄影/本报记者 袁艺
制度
为志愿者买保险已写入法律条例
北青报记者昨天来到北京市志愿服务指导中心，这里的公告栏上还贴着有关窦珍老人的报道，几天前，志愿者们曾自发悼念这位“扫桥爷爷”。中心负责人王赢说：“志愿者们知道老人去世的消息都很难过，志愿者保障的话题现在又重新被提起，我们希望尽快能为所有注册志愿者上保险。”
据了解，本市曾先后出台《北京市志愿服务促进条例》和《北京市志愿者管理办法(试行)》，其中都有为志愿者购买保险的内容。2007年9月14日出台的《北京市志愿服务促进条例》第十八条指出：志愿者组织和其他开展志愿服务活动的组织，应当与接受志愿服务组织或者个人协商，根据需要为志愿者办理相应的保险。2010年10月出台的《北京市志愿者管理办法(试行)》第九条指出：志愿者组织在招募志愿者时，应当公布与志愿服务项目有关的真实、准确、完整的信息，并明确告知志愿服务过程中可能出现的风险。重大活动志愿服务和应急志愿服务中，由志愿者组织或接受服务的组织为志愿者购买人身意外保险；经常性志愿服务中，有条件的志愿者组织可根据需要，为志愿者购买人身意外伤害保险。
专家说法
志愿者保险费用应多方支付
北京志愿服务发展研究会副会长张晓红表示，志愿者保险是对志愿者最基本也是最好的保障和激励，国外一般是三方出资为志愿者提供保险。例如美国，是由政府为志愿者组织提供资金，其中提取一定比例为志愿者购买保险，但并不是全额。一般60%由政府支付，30%为志愿者组织或社会筹集，10%为志愿者自筹。此外，还有一些隐性保险，如美国规定青少年提供超过1400小时的社会服务，将可获得4725元奖学金。
张晓红表示，中国的商业保险远不如美国发达，目前没有志愿者险，志愿者投保的都是人身意外险，她建议能有专业的保险机构开发志愿者险。在解决资金来源方面，以政府补贴为主，也可以引入企业赞助。
外省经验
深圳开始探索为志愿者投保
北京市志愿服务指导中心工作人员一直保存着一张《深圳志愿者(义工)证使用说明手册》，上面写有深圳志愿者享有的保险项目，这些保险费用由制卡金融机构提供。上面显示：深圳志愿者(义工)证具有保险服务功能，志愿者在深圳市范围内履行志愿服务期间享有保险服务。其保障范围是办理了深圳志愿者证并在深圳市范围内正在开展志愿者服务的志愿者。在保险期限内，被保险人在志愿服务过程中遭受意外伤害事故导致身故、残疾或医疗费用支出，中银保险负责赔偿身故残疾保险金或医疗费用。意外身故保障和意外残疾保障的保障额度都是10万元，意外医疗保障是5000元。
(原标题：226万志愿者上保险方案遭遇难产)
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