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“学生平安保险”20年赔付4.6亿元 这一家险企做到了

2017-08-24 05:21:12   中国青年网

被誉为“校园里生命工程”的“学平险”,全称“学生平安保险”,是为在校学生量身打造的,经中国保监会批准开办的业务。虽属商业保险范畴,但其具备保费低、保障额度高的特点,使之具有社会保障的属性。“学平险”与居民医保配套运行,极大降低了学生家庭因出险而造成的医疗成本支出。因保障范围广、保障额度高、赔付及时等深受社会和广大学生家长的认可,在教育风险转移体系中占据重要地位,是一种具有公益性特征的保险,也是居民医保的有效补充。

由于风险意识和风险防范能力不强,小孩的风险一般高于成人,“学平险”的赔付率居高不下,很多公司都在70%以上,甚至高达150%。加上保费低,一年仅100元,对保险公司来说算是赔本买卖。因此,“学平险”市场业务量日渐萎缩,许多保险公司纷纷停售“学平险”,只剩个别保险公司在坚守。

中国人寿,就是坚守的代表。作为大型央企,中国人寿一直肩负着重大社会责任。自1986年“学平险”开办以来,无论社会环境如何变化,一直坚持积极宣传、大力推广这一险种,为广大学生送去保障。

回顾中国人寿“学平险”的发展历史,我们可以很清晰地看到,武汉市居民医保从2008年元月起开始实施前,在没有居民医保为他们提供保障的这个时期,中国人寿一直承担着学生这个庞大群体的社会保障责任,“学平险”呵护着一代又一代学生健康成长,走向社会,成为栋梁之才。

中国人寿武汉市分公司(含分业经营以前)自1986年开办“学平险”业务以来,其“学平险”就是学生这一群体的主要保障途径,为政府和学校分了忧,减轻了学生家庭特别是困难学生家庭的经济负担。许多学生因投保了“学平险”,在身患重大疾病的情况下获得重生,得以延续学业;不少学生因投保了“学平险”,在遭受意外事故的情况下获得保险经济补偿,解决了学生家庭因病、因意外致贫的问题,对保障困难学生生活,维护社会稳定起到了积极作用。

1986年至今,中国人寿武汉市分公司的“学平险”从无到有,从小到大,已累计为全市近1600多万大中专院校、中小学及幼儿提供了保险保障服务。其中,共有40多万名学生获得了保险经济补偿,累计支付保险赔款4.6亿元。尤其是近五年来,为近10万名学生支付保险赔款1.3亿元,其中5万元及以上的赔案达400多笔。

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