"Insurance helps the elderly" to provide more health protection for the elderly
2021-11-19
Feng Hai, a 66 year old poverty relief household, is a villager of xingshengzhuang village, Datong Yao Township, Xinghe County, Wulanchabu City, Inner Mongolia. Suffering from chronic diseases such as emphysema and hypertension, he needs to take medicine all year round and go to the hospital for examination regularly. Although we have got rid of poverty, the cost of seeing a doctor of about 15000 yuan per year is still a great burden. In Xinghe County, there are many old people like Feng Hai who are easy to return to poverty due to illness. According to the data of the seventh census, the permanent resident population over 60 years old in Xinghe County accounts for 32.94% of the permanent resident population of the county. Among them, 5575 people over the age of 65 are out of poverty, and 568 people over the age of 65 are vulnerable to poverty. "Nearly one-third of the population in Xinghe County is over 60 years old, and the aging is serious," said Li Xinkai, deputy county head of Xinghe County. In daily life, the risk of accidental injury of the elderly is much higher than that of other age groups. Once an accident occurs, it will increase the economic burden of the elderly and their families, and even directly lead to getting out of poverty and returning to poverty. Li Xinkai said: "at present, if the elderly are ill, 70% of the medical expenses can be reimbursed through the new rural cooperative medical system, but for accidental injuries, more comprehensive safeguard measures have not been covered." Faced with the problem of "urgent difficulties and expectations" of the elderly, in order to give them more protection in addition to medical insurance, Xinghe County explored and launched the public welfare project of "insurance to help the elderly" to implement "I do practical things for the masses". In October this year, the National Social Security Fund Council coordinated the Inner Mongolia Branch of China Ping An Life Insurance Co., Ltd. to donate 352000 yuan to Xinghe County and signed an agreement. Through the database system of poverty relief personnel, the Rural Revitalization Bureau of Xinghe County carried out full coverage screening for 9 townships in the county, selected 6143 poverty relief households and Marginal Poverty prone households over the age of 65 who met the donation requirements, and went through the insurance formalities for them. According to the relevant provisions of the "insurance to help the elderly" project, if the insured suffers from accidental injury and leads to physical disability, this insurance for accidents in the daily life of the elderly can ensure that the insured can obtain an insurance premium with an upper limit of 5000 yuan. In addition, due to accidental injury, the insured can receive payment according to different standards for outpatient and emergency treatment and inpatient treatment in designated medical institutions of medical insurance. For accidental hospitalization, you can also get an allowance of 30 yuan per person per day, 60 days of single compensation and 180 days of cumulative compensation. "From accidental injury to outpatient service, medical treatment and hospitalization, this insurance project covers the whole process of medical treatment for the elderly, and can implement the protection in all aspects," Li Xinkai said. In order to make the donation object "zero distance" understand the accidental injury insurance policy, Xinghe County Rural Revitalization Bureau and other relevant staff went deep into all villages and towns to publicize the insurance policy, further improve the awareness rate of the insurance benefit policy and ensure that the insured people get claims in time. "This insurance has greatly protected me and reduced my economic pressure. Thank the government for such a good policy." Feng Hai was moved to learn that the government provided accident insurance free of charge. Wang Genliang, a 78 year old poverty relief household in xingshengzhuang village, suffers from chronic diseases such as high blood pressure. After listening to the publicity of the insurance policy, he boasted that the policy was considerate: "we are easy to bump when we are old. This time we have more protection. If we really want to encounter something, we will have a better heart." "To consolidate the achievements of poverty alleviation, we need to establish and improve the long-term mechanism to prevent returning to poverty and make more useful exploration." Li Xinkai said that for the weakest links, especially the elderly groups over the age of 65, we can provide them with more safeguard measures to prevent returning to poverty and causing poverty through some inclusive and targeted measures and improving relevant mechanisms. It is reported that it is a key work of the National Social Security Fund Council to help Xinghe County consolidate the achievements of poverty alleviation and comprehensively promote rural revitalization by accurately connecting the needs of targeted assistance counties, continuously paying attention to the elderly, a high-risk group of poverty alleviation groups, and implementing the "insurance assistance for the elderly" project. Next, the project will be combined with the existing new rural cooperative medical insurance to form a "double insurance", so as to further consolidate the achievements of healthy poverty alleviation and build a long-term mechanism to prevent returning to poverty. (outlook new era)
Edit：Yuanqi Tang Responsible editor：Xiao Yu
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