Wuhan Wuchang District Government invested 280,000 elderly people to buy accident damage insurance insurance

Jimu Journalist Li Qing

Correspondent Wu Gang

Intern Jia Shishan Chen Guo

280,000 elderly people in Wuchang District will receive an accidental damage insurance. Jimu Journalists learned from Wuchang District, Wuhan City. In order to improve the ability of the elderly and their families to resist risks, reduce contradictions and disputes caused by accidental injuries of the elderly, and protect the rights and interests of the elderly, the Wuchang District People's Government will be invested as the 60th year of the district ( The elderly (including the elderly who lived in Wuchang's area for more than a year) above to purchase accidental damage insurance.

According to the relevant person in charge of the Wuchang District Civil Affairs Bureau, the object of the accident insurance insurance is 60 years old (inclusive), and the elderly in Wuchang District, and the elderly who are more than 60 years old (inclusive) who live in Wuchang under the jurisdiction of Wuchang. From July 8th to July 7th this year.

It is understood that the liability for accident insurance insurance is mainly unexpected death/disability protection, accidental injury medical protection, and accidental injury hospitalization allowances.

During the protection period, an accident occurred in the elderly, and if the accidental damage was directly due to the direct cause of the accident within 180 days from the day of the incident, the insurance company paid the insurance benefit at 20,000 yuan; Insurance companies pay the disabled insurance premium according to the proportion corresponding to the degree of disability of the danger, and the proportion of payment is subject to the "Personal Insurance Disabled Lisario Assessment Standard".

It should be reminded that the insurer is compensated in accordance with the government or the law, or compensation from any institution, individual, or other medical insurance, the insurer only pays for the remaining part, and the total reimbursement of the insurer does not exceed the application reimbursement in total. 100%of the project amount.

During the guarantee period, an accidental injury accident occurs, and how to pay for hospitalization and treatment? According to the relevant person in charge of the Wuchang District Civil Affairs Bureau, in the hospitalization and treatment of medical institutions above the second level (including secondary), the expenditure is in line with the local government's social medical insurance authority to reimburse the reasonable and necessary medical expenses. The insurance company is deducting 100 100 After the receptor amount, the maximum limit of accidental medical security liability is 3,000 yuan after the amount of the remaining amount is reimbursed at 90%of the remaining amount. The maximum limit of 90%of the proportion is 5,000 yuan.

At the same time, after deducting 3 days of exemption days, the insurance company will pay an accidental injury inpatient allowance in accordance with the amount of 50 yuan/day allowance. The maximum payment of up to 90 days for a single resident allowance will be paid for a maximum of 180 days.

According to the relevant person in charge of the Wuchang District Civil Affairs Bureau, the district also continues to purchase insurance for the elderly institutions and pension service facilities this year. Eligible elderly people in the jurisdiction, Internet+home care service outlets, community elderly service centers, and happy cafeteria In the places, accidents can also receive up to 80,000 yuan in compensation.

In order to improve the quality of pension services, in recent years, Wuchang District has implemented a series of measures to adopt the "Internet" method to improve the quality of the old service and expand the area of ​​pension coverage. Intelligent integration, accelerate the construction of pension facilities at all levels, and allow the elderly to enjoy better services.

In addition, Wuchang District has continued to purchase insurance for pension institutions and pension service facilities this year to enhance the happiness of elderly residents.

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