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宁夏保险扶贫实地调查:扶贫保兜底58万贫困人口

2017-05-25 17:28:28   中国经济网

■本报记者 苏向杲

距离去年5月26日中国保监会、国务院扶贫办下发《关于做好保险业助推脱贫攻坚工作的意见》,已整整一年。这一年,保险扶贫取得了哪些成就,又有那些不足?在保险扶贫的过程中,作为盈利机构的保险公司该如何定位,又扮演了什么样的角色,保险扶贫对保险公司的主业又会带来了哪些影响?

带着这些问题,《证券日报》记者近期实地走访了中国人寿宁夏分公司的永宁县、盐池县、同心县、隆德县等多家基层分支机构,并采访了多位投保扶贫保的贫困户。从记者了解的情况来看,目前中国人寿推出的扶贫保项目用保险为宁夏15万户、58万贫因人口兜底,保险扶贫已经初显成效。

赔付案例:

120元保费赔偿6.8万元

“真是没想到,他们(保险公司)不但把贷款还了,还送了一万多块钱。”固原市原州区河川乡村民马启军在他家的炕上,对记者这样描述保险对他生活带来的改变。

46岁的马启军曾因“下煤矿”受伤而失去劳动能力,抚养两个孩子的重任便落在妻子马占梅的身上,“她一心想着让家里的日子过好点,就贷款(4万元)买了6头牛、盖了牛棚还买了三轮车,天天起早贪黑打草、拉草,可拉着拉着人就没了。”

2016年6月,马启军的妻子马占梅开着贷款买的农用车拉草时不慎发生意外,车翻人亡。由于马启军全家投保了扶贫保,按照扶贫保中的“家庭成员意外伤害保险”、“借贷险”的理赔规则,保险公司分别一次性给付1.8万元、4万元,两项赔付合计6.8万元。而马启军一家为此缴纳的保费仅为120元。

实际上,在宁夏众多的贫困户中,类似马启军这样的理赔案例并非个案,还有许多贫困户因为去年投保了扶贫保而得了相应的赔偿。

例如,原州区河川乡村民母玉君(男),2016年9月1日在拉架子车时车翻导致头部受伤致死。保险公司接到报案后,按照“扶贫保家庭成员意外伤害保险”的理赔规则,向被保险人家庭一次性给付2.25万元、3万元的死亡保险金。在母玉君家的院子里,其妻子告诉本报记者,赔付款将用于两个孩子的上学开销。

再如,盐池县冯记沟乡杜记圈自然村的村民杜连雄,在2016年8月2日,被诊断为大肠多发癌,前后医药费一共达19.74万元,其中扶贫保中的大病补充医疗,赔付了5.27万元。经过农村信用合作医疗、大病医疗与大病补充医疗等共同报销,杜连雄的自付金额只有1.33万元。在杜连雄的家里,他告诉记者,“经过手术治疗,目前病情稳定,感谢保险公司。”

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