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中保协:十一长假意外伤害风险最高
2017-09-25 07:52:54 中国经济网
记者昨天获悉,中国保险行业协会发布了保险人群意外伤害风险研究报告。报告显示,十一长假的意外风险最高,比工作日及普通周末高出约1成。而春节的意外伤害风险最低,约为工作日的57%。
从性别来看,男性的意外风险整体高于女性,总体风险约为女性的1.3倍。在青少年(10-19岁)阶段,男性风险是女性的3.1倍;到了中青年(20-59岁)阶段,男性意外风险是女性的2.38倍。
按年龄划分,老年人的意外风险高于中青年,中青年高于青少年。具体而言,0-19岁青少年儿童的首位意外风险是意外溺水或水灾,说明青少年溺水风险需要重点关注。在20-49岁阶段,无生命机械力量是导致意外伤害的首要原因。对于50岁以上年龄段的人群,面临的最大的意外风险是跌倒坠落。
从发生的时间来看,意外伤害风险大致呈现随气温上升而增加的趋势,7月的意外风险最高,2月的最低。青少年在暑假的意外伤害风险较寒假高67%。从节假日看,春节的意外伤害风险最低,约为工作日的57%;十一长假最高,是工作日的1.09倍。
记者了解到,这是保险业首次在人身意外伤害风险领域开展的专项基础研究工作。项目采集了覆盖全保险人群的数据样本,经过严格清洗校验后,占全部数据量的99%的8.90亿样本入库并参与计算,这在国际同类研究中居于首位。
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