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央广网丹东8月28日消息(记者徐志强)近年来,辽宁省把“关爱老年人健康工程”作为省政府的一项重点民生实事,丹东市也把此工程列为重点民生实事之一。“关爱老年人健康工程”所指险种为老年人意外伤害保险,近日,记者从丹东市老龄办了解到,这种护航“夕阳红”的新险种如今已走进老年人生活,投保人数大幅增加,不少老年人得到了实惠。
截至2016年底,丹东市60岁以上老年人口已达57.5万人,约占总人口的24.17%,位居全省第一位。与此同时,老年人口呈现出增速快、寿龄高、空巢多等特征,其意外伤害也呈现出上升趋势。市老龄办主任白永利告诉记者:“老年人意外伤害保险提供的老年人意外伤害综合险,突破了65岁以上老年人难以购买商业人寿保险的年龄限制,解决了老年人因意外住院的照顾和护理费用不能由医保支付的难题,还为老年人撑起健康保护伞。”
“关爱老年人健康工程”不仅有效缓解了老年人因意外伤害给个人和家庭造成的经济负担,还提高了老年人的生活质量,为老年人安度祥和的晚年提供保障。老年人意外伤害组合保险保障范围包括老年人在日常工作、日常生活中导致的各种意外伤害,小到跌伤、划伤、碰伤等,大到火灾烧伤、烫伤、车祸、溺水、电击、砸伤、高空坠落等各种意外伤害。数据显示,去年,丹东市共有10.1万老年人办理了意外伤害保险,投保金额303万元,赔付230万元,赔付率高达75.9%。
今年的老年人意外伤害保险有了新的变化,缴费标准不仅分为两个档次,而且每人限保5份也提到了限保10份。市老龄办提醒,投保对象为全市60周岁以上的老年人,可到老人所在单位、社区(村)或相关老年人组织办理相关手续。
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