摘要
"民生保险"是政府对社会救助机制的创新,近年来在我国多地进行了尝试并取得了一定的效果和经验,但在"民生保险"的实施过程中,面临着法理困境、易引发道德风险、宣传力度参差不齐、"同命不同保"、续保费率难厘定等问题。针对这些问题,本文提出了加强宣传力度、转变投保模式、扩大受益面、分散风险、创新内部流程等措施。
The well - being insurance is one of the innovations for social assistance mechanisms. It has been tried in many districts and has achieved many effects as well as experience. During the implement of the well - being insurance, the dilemma lies in predicament of jurisprudence, high moral hazard,“same life, differ- ent value of life” and so on. This paper puts forward some measures for solving these problems from aspects of strengthening the propaganda, changing coverage pattern, broadening the benefit coverage target, dispersing risk, innovating the internal operation flow, etc.
出处
《保险职业学院学报》
2014年第6期34-37,共4页
Journal of Insurance Professional College
关键词
民生保险
公众责任保险
投保模式
Well- being insurance
Public liability insurance
Coverage pattern
