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“电梯养老保险”不是万能险

2017-09-07 09:36:46   央广网

原标题:“电梯养老保险”不是万能险

昨天上午,杭州拱墅区小河佳苑、大浒东苑、清水公寓的5台电梯,拥有了全国第一批“电梯养老”综合保险保单。电梯养老保险,是指对电梯全生命周期保险,电梯使用管理者将电梯日常维保费用、零部件的维修费用、电梯检验费用等打包组成一定资金,投到商业保险进行电梯养老保险,由保险公司负责对电梯日常维保质量进行监管、零部件维修费用进行支付和出现意外伤亡人事故进行赔付,并依据投保年限按比例出资对电梯进行改造更新。(9月6日钱江晚报)

“电梯养老保险”是对电梯进行风险管理,是运用保险机制创新电梯社会综合治理模式的一次重大突破。

“电梯养老”综合保险具备几个特点,其一,这是在杭州拱墅区政府引导下,联合保险公司全国首创的新险种。其二,覆盖电梯的维修、检验、更新及事故赔付,比较全面。其三,利用市场机制来约束和规范电梯各方责任主体,从而推动政府职能转变,逐步建立健全电梯社会综合治理体制,这无疑具备积极意义。

然而,“电梯养老保险”不是万能险,不是投保之后就可以高枕无忧。首先保费计算比较复杂,与品牌购价、梯龄诸多因素相关,需要支付不菲的保费,在物业费都难以收齐的情况下,额外支出电梯保费未必得到很多业主的同意,该险种能否得到大规模推广是个问题;其次,保险保障的事件发生概率过高或过低,都会影响险种的赔付及发展,如赔付过高,保险公司难以承担和接续;保费过高,业主不能达成一致。此外,人们对电梯的安全认识依旧相对匮乏,导致电梯事故频频。

城市建设越来越多,高层建筑越来越高,电梯的使用率也越来越频繁。由于电梯本身密闭、悬空、高速上下等特点,对电梯的质量和相关监管提出了更高要求。电梯安全是多方面的,生产、安装、维保诸多环节都不可掉以轻心。随着电梯事故的频发,相关检测、维护也被提上责任单位的工作日程中来。无论是生产、运营单位还是监管部门,都要进一步提升责任意识、减少事故发生。

同时,加强电梯乘坐者的安全意识也很有必要。有媒体做过相关调查,对于乘坐未张贴安全检验合格标志或超期未检的电梯,47%的被访者表示“会有些担心,但是会继续乘坐”,表示“会继续乘坐”的被访者占12%,仅9%的人会“打电话给相关部门”,而“放弃乘坐”的仅为5%。可见,在电梯乘坐方面,人们的相关安全意识非常欠缺。一些人为了抢时间或其他原因根本不在意电梯的警示。有些人不遵守乘坐规则,导致事故频仍。

电梯安全已经成为公共安全的重大社会课题,期望一个商业保险就能消除电梯事故不太现实,根本之途在于加强城市电梯生产、安装、维护、检测等质量监管,这才是保证电梯安全的根本。只有质量过硬、安防明确,监管有力,安全意识全面到位,才能确保安全责任不“过期”,电梯安全不“失控”。

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