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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

事实上,在记者走访的过程中,类似上述三个赔付案例不胜枚举。在扶贫的过程中,保险不仅实现风险的转嫁与分散功能,而且也实现了保险的经济补偿与给付功能。

一揽子保险计划

兜底58万贫困人口

上述三位村民提到的扶贫保,就是中国人寿联合政府扶贫机构推出的“扶贫保”项目。2016年4月,中国人寿启动“扶贫保”项目,该项目采用“政府+银行+保险+担保+个人”的模式,为宁夏58万建档立卡贫困人口提供贫困家庭成员意外伤害保险、贫困家庭成员大病补充医疗保险等一揽子保险计划。

“扶贫保运行第一年,实现两项(两项为家庭成员意外伤害保险、贫困家庭成员大病补充医疗保险)全覆盖的险种全部由政府出资支付保费,凡是建档立卡册上有名的贫困户,按照意外伤害险每户100元、大病补充险每人45元的保费标准直接支付给保险公司。保险公司则在原有惠农保险的基础上,调高意外保险保额从66000元至99000元,大病补充累计最高赔付可达80000元,且承担既往病史责任。”中国人寿宁夏分公司副总经理马文对《证券日报》记者表示。

中国人寿宁夏分公司团体业务部总经理孙学涛补充道,该项目按服务对象的不同,已经创新设计出不同人群的保险服务产品,包括“务工保”、“金盾保”、“助残保”、“夕阳保”、“出行保”、“信贷保”、“计生保”“互助保”等十多个细分险种。

目前,宁夏15万户,58万贫因人口中,每年因病、因残致贫高达4万余户,占全部建档立卡贫困户26.7%。每年因病、因灾、因意外再次返贫的人口也高达1万余户。而扶贫保的推出,用保险为58万贫困人口“兜底”。

“过去我们想上这样一个保险,2012年我先后去了保险公司8趟,但是人家没有这项业务。”盐池县王乐井乡曾记畔村支书记朱玉国告诉记者,今年宁夏“扶贫保”保费收取的方法已经做出了改进,采取保险公司上门收取,政府按照贫困户自愿缴纳原则统一报销的方式推进。

“2017年,我们将保险责任拓展到自费药。通过扶贫保,贫困户返贫的几率降低了,再次掉进贫困的窟窿就堵住了。”马文表示。

去年保费达3300多万元

为其他业务发展提供后劲

从现有的数据来看,保险公司与政府联合推出的扶贫保,降低贫困人口因病返贫、因病致贫的概率,增强了其抵御风险的能力。但在行业普遍缺乏贫困人口出险概率的情况下,开展此项业务会不会给保险公司带来业务风险,推动此项业务又会给保险公司带来什么影响?

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