摘要
建筑意外伤害保险是我国建筑施工安全管理的基本制度之一。在工伤保险全面实施和建筑安全事故高发的形势下,建筑意外伤害保险制度面临挑战和发展新机遇。分析工伤保险和建筑意外伤害保险模式的功能和区别,指出工伤保险重在补偿,建筑意外伤害保险重在预防。通过专家会议、专家访谈和问卷调查,分析研究当前建筑意外伤害保险实施中所面临的保险费率、赔付与安全服务的不完善等问题。基于建筑意外伤害保险预防原则,设计以统一基准费率为基础,按企业安全生产业绩浮动的费率模式;以企业安全管理业绩为依据,建立灵活的保障与激励相结合的赔付机制,界定建筑意外伤害保险的安全技术服务范围。
Construction contingency insurance is one of the safety management systems, which faces challenge and new chance for improvement under the circumstances of injury insurance enforcement and high rate of construction accident. The functions and differences between the injury insurance and construction contingency insurance are analyzed. First and foremost is that the former is in compensation, and the later in prevention. The problems in rating of insurance premium, compensation and technical services are studied by questionnaire surveys, expert meetings and interviews. Based on the philosophy of accident prevention of insurance, a rating model included a united benchmark rating and floating rating is proposed. The rating will he adjusted according to the safety performance of the contractor, which includes rate of accident and the grade of safety evaluation of the industry. The model of compensation is proposed on the performance of the contractor and the casualty. In the end, the scope of technical services of the construction contingency insurance is promised.
出处
《土木工程学报》
EI
CSCD
北大核心
2008年第10期106-110,共5页
China Civil Engineering Journal
关键词
建筑工程
意外伤害保险
安全业绩
浮动费率
Building engineering
Construction contingency insurance
Safety performance
Floating rating
