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The author:(作者)aaapublished in(发表于) 2013/12/6 12:15:40 Tongchuan， Shaanxi Province for the person to vote “heroic risks“， up to 55，000-Shaanxi-good Samaritan
Newspaper in tongchuan (by staff reporter Zhang Xiaogang) will be implemented in tongchuan city "livelihood insurance" program, insured by the Government, for all urban and rural residents and transient population of area to buy a copy of "the righteous and natural disaster risks", of up to 55,000 dollars for insurance payments.
Programme: one vote
Government insurance for residents
In tongchuan City Government yesterday 44th Executive meeting, a report named the "livelihood insurance," implementing the principle of documents submitted to the Conference for its consideration and adoption of the programme. After further refined, the programme will be enacted in the city.
The program's core is insured by the Government, all provisional for the registered population and transient population of 1 Yuan per person per year standard payment of premiums, centralization in insurance coverage. Can enjoy during the insurance period of the insured limit of $ 55,000 worth of heroic rescue liability insurance or public liability insurance services to natural disasters.
"Is the Government insured, enable individuals to benefit from. "The tongchuan municipal Committee, Vice Mayor Zhao Xiaoming said that" livelihood insurance "is to use the limited financial resources of the Government, take market forces move more of guaranteed funding, complements the existing safeguard policies are a good. It is understood that at present, the death tolls in tongchuan City Government once be given 5,000 yuan to comfort the family gold; courageous, depending on their performance and contribution to recognition awards, but they are not very high. "Livelihood insurance" as a new scheme, its implementation has to fill gaps in our province.
Implementation: insuring on a district basis
Premium included in the budget
Under this programme, all districts and counties were insured unit from the District Civil Affairs Department as the insured insurance contracts with insurance companies, registered population and transient population provisional in accordance with standard 1 Yuan per person to pay, the funds required included the district budget. Current registered population of about 840,000 people in tongchuan city, transient population of approximately 20,000, after the implementation of the programme, these people will enjoy "livelihood insurance" provisions of paid content.
It is understood that the "livelihood insurance," death claims, medical claims and disability claims claims are divided into three types. Tongchuan city, is a disaster-prone area, caused by landslides and debris flows of geological hazards, such as accident prone, pay Government finances a large expenditure. Tongchuan City Finance Office Director, said Fu Qiang, "livelihood insurance" money deal from "relief" to "insurance beforehand," this responsibility shared the Government's post-quake relief aid.
Currently, tongchuan city has set up by municipal government leaders for key members of "livelihood insurance" work group, to promote this service. Tongchuan City Mayor Guo Dawei said, "livelihood insurance" is in tongchuan city people's long-term interests, not just for one year or the Government, and "possession of perennial".
FAQ
Basic medical insurance claims and conflicts?
Fu Qiang, Director of the municipal financial Office: do not conflict. "Livelihood insurance" claims, due to heroic or natural disaster, rescue, emergency hospital treatment in accordance with the 90% to pay the medical fees, personnel participating in basic medical insurance reimbursement of health care costs at the same time, or you can declare "livelihood insurance" claim, payment is not affected.
Community funding will the additional insured?
By the number of currently registered population and transient population in tongchuan city, insured amount to less than 1 million dollars a year. Review, public representatives, Yaozhou district groundwater task force staff Li friendship that premiums low, pay lines, he proposed in the context of voluntary, community or local businesses if additional funds as premiums. In this regard, the Municipal Government can negotiate.
Righteous will awarded for injuries in the field?
Fu Qiang, Director of the municipal financial Office: compensable. The city's resident population on the mainland territory of righteous hurt no matter where they may be the same declaration "livelihood insurance" claims, after they have been found to give the same pay. Transient population must only be awarded in the territory of the city.
(Original title: Government insured 1 Yuan per person up to 55,000 "heroic risks" (picture))
本报铜川讯(记者张小刚) 铜川市将实施“一元民生保险”方案，由政府投保，为辖区所有城乡居民和暂住人口买一份“见义勇为和自然灾害险”，最高可享5.5万元保险赔付。
方案：一人投一元
政府为居民买保险
在昨日召开的铜川市政府第44次常务会议上，一份名为《“一元民生保险”实施方案》的文件提交会议审议并原则通过。进一步修订完善后，该方案将在全市颁布实施。
该方案的核心就是由政府投保，为辖区内所有户籍人口和暂住人口按每人每年1元标准缴纳保费，集中统一在保险公司进行投保。被保险人在保期内可享受限额5.5万元的见义勇为救助责任保险或自然灾害公众责任保险服务。
“就是政府投保，让个人受益。”铜川市委常委、常务副市长赵晓明表示，“一元民生保险”就是用政府有限的财力，借市场的力量撬动更大的保障资金，对现有的保障政策是一种很好的补充。据了解，目前，铜川市对因灾死亡人员是政府一次性给予其家庭5000元抚慰金；对见义勇为者，要根据其表现和贡献给予表彰奖励，但都不是很高。而“一元民生保险”作为一种全新的救助模式，实施后将填补我省空白。
实施：以区县为单位投保
保费纳入预算
按照该方案，各区县是投保单位，由各区县民政部门作为投保人与保险公司签订投保合同，按照辖区内户籍人口和暂住人口每人1元标准缴纳，所需资金列入各区县财政预算。目前铜川市户籍人口大约84万人，暂住人口大约2万，该方案实施后，这些人都将享受“一元民生保险”规定的赔付内容。
据了解，“一元民生保险”的理赔分为死亡理赔、医疗理赔和伤残理赔三种。铜川市属自然灾害多发区，滑坡、泥石流等地质灾害造成的伤亡事故多发，赔付也成为政府财政一项较大开支。铜川市金融办主任傅强表示，“一元民生保险”用小钱办大事，由“事后救济”变“事前投保”，由此分担了政府灾后救济救助责任。
目前，铜川市已成立了由市政府主要领导为主要成员的“一元民生保险”工作领导小组，全力推动此项事务。铜川市市长郭大为表示，“一元民生保险”将是铜川人的长久利益，不只是一年保期或者一届政府的事，而要“管常年”。
答 疑 解 惑
与基本医疗保险报销是否有冲突？
市金融办主任傅强：不冲突。“一元民生保险”的理赔中，对因见义勇为或自然灾害进行急诊、抢救、住院治疗的按照医疗费用90%赔付，参加了基本医疗保险的人员在报销医保费用的同时，也可以申报“一元民生保险”理赔事项，赔付多少不受影响。
社会资金可否追加投保？
按铜川市目前户籍人口和暂住人口数，每年投保金额不到100万元。审议中，市民代表、耀州区地下水工作队职工李友谊认为保费低，赔付额度就低，他提出在自愿的前提下，社会资金或者当地企业可不可以追加资金作为保费。对此，市政府表示可以商议。
在外地见义勇为受伤害可否获赔？
市金融办主任傅强：可以获赔。本市常住人口在大陆境内任何地方因见义勇为受伤害都可同样申报“一元民生保险”理赔，经认定后给予同样的赔付。但暂住人口必须在本市境内才可获赔。
(原标题：政府为每人投保1元 最高享5.5万“见义勇为险”(图))
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