Take Baoshan City as an example:
I. Insurance Company Selection in 2020
In accordance with the Notice on Printing and Distributing the Office of the Leading Group for Poverty Alleviation and Development in Baoshan City (No.2004 of the Organization Office of Baoshan City) and the relevant provisions of government procurement, the Baoshan Poverty Alleviation Office selected China Pacific Property Insurance Co., Ltd. Yunnan Branch as the underwriting institution of Baoshan poverty prevention insurance 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, 65438, and formally confirmed Tengchong Branch of China Pacific Property Insurance Co., Ltd. as the underwriting institution of Tengchong's poverty prevention insurance.
Second, the way of protection.
In order to prevent the rural registered population in the city from becoming poor or returning to poverty due to illness and disaster, 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.
(a) the insured object
The object of Tengchong's poverty prevention and protection is the rural registered population in the city, so as to ensure all the protection. Among them, 100% of the poor population, rural poor households, rural minimum living allowances, 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 object of serious illness (accident) hospitalization medical insurance: the insured population except the poor people who set up the file.
Second, the compensation object of natural disaster housing loss and accidental death insurance: all insured objects.
(3) the applicant, the insured 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 assistance for hospitalization due to illness (accident)
After the insured was hospitalized in a medical institution due to illness or accidental injury, and received medical expenses compensation in accordance with the provisions of basic medical insurance for urban and rural residents, serious illness insurance, medical assistance, and all-round security, the actual expenses that meet the reimbursement scope of basic medical insurance for urban and rural residents have been paid by themselves.
(2) assistance for housing losses caused by natural disasters
Due to fire, explosion, natural disasters (including lightning, typhoon, rainstorm, tornado, snowstorm, hail, freezing, debris flow, cliff collapse, landslide, sudden ground collapse, etc.), some rural residential houses (that is, residential houses used for living, excluding temporary storage houses, breeding houses, baking houses and other ancillary facilities) are lost or collapsed.
(3) Insurance assistance for death due to accidental injury.
Accidental injury mentioned in this scheme refers to physical injury caused by external, sudden, unintentional and non-disease objective events as direct and independent reasons. After 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, accidental injury is the direct cause of death.