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淄博临淄:三重防护网保障特殊群体权益

2018-07-19 11:44:05 来源: 新华网
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????新华网济南5月5日电 人上了年纪,腿脚不灵便,难免会发生个磕磕碰碰,一旦遇到意外,不仅老人自己痛苦,也会给家庭和子女带来沉重的经济负担,而对于本来就家庭困难的贫困户来说,遭遇突如其来的病痛,无异于雪上加霜。

????在保险保障意识逐步提高的今天,商业保险无疑是一份有效的保障,然而,对于文化水平和经济基础都处于弱势的贫困群体,由他们主动购买商业保险并不现实。为了让老年人后顾无忧、安度晚年,淄博市临淄区政府为全区老年人准备了一份贴心的大礼:银龄安康保险。

????齐都镇韶院村村民王树森今年77岁,身子骨依然硬朗,然而在去年12月份,一场车祸给他的身体造成了严重的伤害,在医院检查后,王树森被诊断为脊柱骨折,住院治疗半个多月,一共花费了4万多元,在城乡居民保险报销后,还需个人承担12800元的费用。这笔高昂的治疗费用让老人既心疼又内疚。

????村镇相关工作人员了解情况后,为他带来了一个好消息,原来镇上已经统一出资,为他和其他老人购买了一份银龄安康保险。这就意味着在城乡居民保险的报销范围之外,王树森的医疗费用还能再报销两千元。

????这笔钱让王树森和老伴冯景芳感到了意外的惊喜,冯景芳说:“这保险是镇上给的钱,政府很好,很贴心,毕竟我们老人没什么积蓄。”

????由于老年人身体机能下降,在生活中遭遇意外的概率较高,属于高危群体,一般保险公司不愿承担老年人的意外伤害。银龄安康工程是山东省专门针对老年人意外伤害所开展的一项保险政策,保险主要是靠政府支持、社会捐助和个人自费投保相结合的方式来应对老年人意外伤害的惠民工程,具有缴费低、保障高、惠及范围广的特点。2016年,齐都镇政府为镇上60岁以上老人统一购买了银龄安康保险,为全镇老年人提供了健康保障。

????临淄区老龄办副主任李春艳说:“今年,银龄安康的保费由原来的20元增加到50元,各镇街道也纷纷增加投入,在政府买单的基础上,我们也广泛动员老百姓为父母购买保险,通过多方面举措,使银龄安康的参保覆盖率大大增加。”

????据悉,除了面向全体老年人的银龄安康保险之外,为了使对弱势群体的保障和救助更具针对性,临淄区精准发力,出资为全区的困难群体统一购买了困难居民商业补充保险。

????不同于一般普惠制城乡居民医疗保险,困难居民商业补充保险采用财政投入的方式,为低保对象、特困供养对象、低保边缘对象、低收入对象、因病返贫对象以及经区扶贫办认定的贫困人口购买商业补充保险。

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