What does poverty insurance mean?

In order to establish a more perfect poverty prevention mechanism, prevent the rural registered population in the city from becoming poor and returning to poverty due to illness, and effectively consolidate the achievements of poverty alleviation, we jointly launched poverty prevention insurance. What about the policy? Who can enjoy it and how to declare it?

Take Baoshan City as an example:

I. Selection of Insurance Companies in 2020

According to the Notice of Baoshan Leading Group Office for Poverty Alleviation and Development on Printing and Distributing (issued by Baoshan Leading Group Office for Poverty Alleviation and Development on February 3, 20041day) and the relevant regulations of government procurement, Baoshan Poverty Alleviation Office selected China Pacific Property Insurance Co., Ltd. Yunnan Branch as the insurance underwriting institution for poverty prevention in Baoshan City through public bidding, with a service period of 2 years. Entrusted by the municipal government, the Poverty Alleviation and Development Office of Tengchong Municipal People's Government signed a cooperation contract with Tengchong Branch of China Pacific Property Insurance Co., Ltd. on February 24th, and formally confirmed Tengchong Branch of China Pacific Property Insurance Co., Ltd. as the underwriting institution of poverty prevention insurance in Tengchong City.

Second, the way of protection

In order to prevent the rural registered population in the city from becoming poor due to illness and returning to poverty due to disasters, the insurance object, the city level and Baoshan Municipal Finance * * * shall bear the premium, and the winning insurance company shall be responsible for the claim settlement operation management and implement poverty prevention insurance.

3. Insured object, compensation object, insured, insurer and insured.

Insured object

The object of Tengchong's poverty prevention and protection is the rural registered population of the whole city, so as to ensure all the insurance. Among them, 100% of the poor population, rural poor people, rural low-income objects, rural poor disabled people and marginal poor households managed by the state-run system need to be insured.

② the object of compensation

First, the insured object of serious illness (accident) hospitalization medical insurance: the insured except the poverty-stricken people who set up a file.

Second, the compensation object of natural disaster housing loss and accidental death insurance: all insured objects.

(3) the applicant, the applicant and the insurer

Insured: the Poverty Alleviation and Development Office of Tengchong Municipal People's Government and the insured.

Insured: All insured persons.

Insurer: Tengchong Branch of China Pacific Property Insurance Co., Ltd.

Four. Insurance coverage and compensation standard

(1) medical insurance subsidy for hospitalization due to illness (accident)

After the insured is hospitalized in a medical institution due to illness or accidental injury, he has been compensated for medical expenses according to the basic medical insurance for urban and rural residents, serious illness insurance, medical assistance and all-round guarantee, and the actual expenses that meet the reimbursement scope of the basic medical insurance for urban and rural residents have been paid at his own expense.

(2) Assistance for housing losses caused by natural disasters.

Due to fire, explosion, natural disasters (including lightning, typhoon, storm, rainstorm, tornado, snowstorm, hail, freezing, debris flow, cliff collapse, landslide and sudden ground collapse), some rural residents' residential houses (that is, residential houses, excluding temporary storage houses, breeding houses, baking houses and other ancillary facilities) are lost or collapsed.

Insurance assistance for death due to accidental injury

Accidental injury in this scheme refers to physical injury caused by external, sudden, unintentional and non-disease objective events as direct and separate reasons. After the occurrence of an insurance accident, the insured or beneficiary shall call the insurance company within 48 hours and notify the insurance company in time. If it is difficult to determine the nature, cause and loss degree of the insured accident due to intentional or gross negligence, the insurance company shall not be liable for paying the uncertain part of the bailout money. Due to accidental injury, and within 180 days from the date of accidental injury, the accidental injury is the direct cause of death.