Casualty insurance of the berth that Shanghai pursues and supports parents

Casualty insurance of the berth that Shanghai pursues and supports parents
By the end of last year, the social input of Shanghai has already accounted for 54.8% supporting parents and always putting into, the society runs the mechanism of supporting parents to account for the whole city supports parents in over half organizations, the society ran and supported parents the berth has already accounted for 52% of total amount in the whole city. Social forces has already become Shanghai's important route to solve imbalance between supply and demand of the berth of supporting parents at the present stage.However, it is not plain sailing that the non-governmental living out one's life in retirement organization develops. Among them, " unexpected injury incident " " it is risky to serve " in sum Become, influence social forces make the investment, support parents primary risk of organization already. The reporter learnt from the civil affairs department a few days ago, the civil affairs department of Shanghai would push away " organization's unexpected responsibility will be dangerous that Shanghai supports parents " in the whole city this year .Always split open a string in the heartThe Yang 's of silk of Pudong has such an unwritten regulation: Each old man and relative that the home for the aged lives in application must pass once " The interview " . "See how old man's physical condition is, see relatives state the reasons. " President Zhang of the home for the aged explains like this. In her view, is old man's health status suitable for moving in the home for the aged, relative to " pester " after meeting accident Become president must close.The method similar to the Yang 's of the silk is not small number in the private home for the aged.Shanghai where the old man accounts for 17.5% of the elderly over 80, the ones that move in mechanism of supporting parents are mostly old men at advanced age, the old man of home for the aged of community is average and about 85 years old. According to the investigation, it is easier and worse for the old man at advanced age over 80, especially need long-term professional nursing. Especially old man's bone density drops at advanced age, osteoporosis, attended to and brought the difficulty.The organization bears 1/3 to support parentsFor improve, support parents organization meet accident the intersection of responsibility and risk deal with problems arising from an accident and handling ability and ability to resist risk effectively, as far back as 2007, districts such as Pudong, Minhang,etc. begin the pilot project " the organization moves in the unexpected responsibility group insurance of the old man to support parents " .It is reported, Shanghai will pursue " organization's unexpected responsibility will be dangerous that Shanghai supports parents " in unison in the whole city this year . The insurance premium is supported parents the organization undertakes 1/3, the government replenishes 2/3, and pass the competitive bidding of the whole city, elect Pacific Ocean, 3 company such as being safe the unexpected responsibility of organization accept insurance the unit by inches as supporting parents.Different from generally insuring age limit under 65 years old of the personal accident insurrance, even unexpected injury insurance of old age reaches the insurance products for 80 years old at most, " organization's unexpected responsibility is dangerous to support parents" To supporting parents organization all being with berth by old manning. Open fracture can compensate 50% at most, only if open fracture can compensate 35% at most. If the settling a claim rate of home for the aged is low, the insurance premium can also be reduced. Yield people still allow the name in a certain limit to change and newly-increased.The introduction to the association for promotion of public service of supporting parents according to Pudong, support parents in the department during one year of pilot project in Pudong, the whole district receive effective accident, report a case 51, account for, effect an insurance the intersection of organization and 91% of proportion, take place one the intersection of claims rejected and phenomenon. Staff reporter Pan GaoFeng Reporter Zhang WenFeng
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