From the perspective of enterprise organization, personal risk can be divided into two categories: one is the personal risk of core employees; The second is the personal risk of most employees.
It should be pointed out that death is an inevitable event in human life, and there is no uncertainty. But the time of death is uncertain, and the health risk is obviously uncertain. For example, whether there is disability, whether there is disease, and the degree of damage to medical care is uncertain. There are usually two kinds of losses caused by personal risks: one is the loss of income ability, and the other is the loss of extra expenses.
Personal risk refers to the risk that people's life or body is damaged in various forms in daily life and economic activities, which leads to the reduction or loss of people's economic production capacity, including death, disability, disease, maternity, old age and other forms of loss.
Basic definition
It is to guide the risk of disability, death, loss of working ability and increased expenses. Personal risks include life risks and health risks. It should be noted that death is an inevitable thing in a person's life, which is beyond doubt, but the time of death is uncertain, and the health risks are obviously uncertain, such as whether there is disability, whether there is disease, and the extent of its damage to health. There are generally two kinds of losses caused by personal risks: one is the loss of income ability, and the other is the loss of extra expenses.
management measure
Individual family members
1, personal risk control
1), personal risk avoidance refers to voluntarily giving up or changing some activities that may have personal risks and avoiding events or activities that may have risks;
2) Personal loss control: strengthening regular physical examination, physical exercise and family members' awareness of safety and health, especially safety and health education for minors, will help to prevent various personal risk events; In terms of personal loss suppression, we can strengthen the training of safety self-help measures, provide faster emergency rescue services, popularize medical knowledge to avoid disease deterioration, and so on, so as to minimize the loss after the loss occurs;
3), personal risk isolation, in order to avoid family members suffer the same risk and cause huge personal losses, personal risk isolation should be carried out appropriately;
2. Personal risk reservation, the family reserves a part of income to deal with possible income loss and medical expenses;
3. Buy insurance to manage personal risks, avoid the impact on personal and family life when risks occur, and achieve the realm of financial freedom, so that personal and family life is not affected by risk events.
Enterprise person
1. Enterprise personal risk control refers to taking necessary technical measures to prevent accidents and reduce the probability of accidents before human resource risk events occur;
2. The enterprise's personal risk retention means that after the risk occurs, the enterprise that may suffer losses will bear the consequences of the loss.
3. Life insurance needs of enterprises generally appear in the form of employee welfare plans.