Biodiv Sci ›› 2022, Vol. 30 ›› Issue (7): 22291. DOI: 10.17520/biods.2022291
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Rui Song, Jing Deng(), Tao Qin(
)
Received:
2022-05-27
Accepted:
2022-06-15
Online:
2022-07-20
Published:
2022-07-11
Contact:
Jing Deng,Tao Qin
Rui Song, Jing Deng, Tao Qin. Development dilemma and optimization path of public liability insurance for wildlife accidents[J]. Biodiv Sci, 2022, 30(7): 22291.
模式 | 云南迪庆州 | 西藏山南市 | 浙江遂昌县 | 四川汶川县 | |
---|---|---|---|---|---|
产品要素 | 保险 责任 | 对人员造成身体伤亡的; 对农作物和经济林木造成较大损毁的; 对牲畜造成较重伤害或者死亡 | 对公民造成身体伤亡; 对牲畜造成死亡; 对农作物、经济作物和林木、房屋、家具、畜圈等造成损毁 | 常住居民人身伤亡或财产损失(农作物、经济作物、中药材、蔬菜瓜果等) | 导致居民死亡、伤残及医疗救助; 农作物、经济作物、禽畜、农房及生产设施损失 |
保额 | 192,000万元, 年度累计赔偿限额1,000万 | 根据《补偿办法》、人均纯收入、种养成本、市场均价等因素测算 | 累计赔偿限额3,000万元, 每次事故责任限额300万元 | 全年累计赔偿限额400万元 | |
费率 | 2.5‰ | 设定定额费率与指导费率 | ? | ? | |
赔偿 标准 | 黄牛4,000元/头、羊150元/只、猪600元/头、马3,500元/匹 | 黄牛970元/头、羊200元/只、猪600元/头、马2,600元/匹 | 不涉及牲畜赔偿 | 牛2,000元/头、羊800元/只、猪800元/头、马2,000元/匹 | |
理赔 程序 | 应在48小时内报案, 10个工作日内拨付赔款 | 收到报案后3个工作日内完成查勘定损, 10个工作日内完成赔款发放 | 报案后, 理赔人员赶赴现场勘察, 在赔付协议达成7日内完成赔付 | 接到报案后24小时内进行查勘, 10个工作日内完成赔偿金额拨付 | |
补贴机制 | 保费 来源 | 480万, 省级财政资金 | 320万, 自治区、市、县6∶3∶1 | 19.8万, 县级财政资金 | 50万, 县级财政资金 |
配套政策 | 地方 办法 | √ | √ | × | × |
保险体系 | 全域 层面 | √ | √ | × | × |
模式 | 云南迪庆州 | 西藏山南市 | 浙江遂昌县 | 四川汶川县 | |
---|---|---|---|---|---|
产品要素 | 保险 责任 | 对人员造成身体伤亡的; 对农作物和经济林木造成较大损毁的; 对牲畜造成较重伤害或者死亡 | 对公民造成身体伤亡; 对牲畜造成死亡; 对农作物、经济作物和林木、房屋、家具、畜圈等造成损毁 | 常住居民人身伤亡或财产损失(农作物、经济作物、中药材、蔬菜瓜果等) | 导致居民死亡、伤残及医疗救助; 农作物、经济作物、禽畜、农房及生产设施损失 |
保额 | 192,000万元, 年度累计赔偿限额1,000万 | 根据《补偿办法》、人均纯收入、种养成本、市场均价等因素测算 | 累计赔偿限额3,000万元, 每次事故责任限额300万元 | 全年累计赔偿限额400万元 | |
费率 | 2.5‰ | 设定定额费率与指导费率 | ? | ? | |
赔偿 标准 | 黄牛4,000元/头、羊150元/只、猪600元/头、马3,500元/匹 | 黄牛970元/头、羊200元/只、猪600元/头、马2,600元/匹 | 不涉及牲畜赔偿 | 牛2,000元/头、羊800元/只、猪800元/头、马2,000元/匹 | |
理赔 程序 | 应在48小时内报案, 10个工作日内拨付赔款 | 收到报案后3个工作日内完成查勘定损, 10个工作日内完成赔款发放 | 报案后, 理赔人员赶赴现场勘察, 在赔付协议达成7日内完成赔付 | 接到报案后24小时内进行查勘, 10个工作日内完成赔偿金额拨付 | |
补贴机制 | 保费 来源 | 480万, 省级财政资金 | 320万, 自治区、市、县6∶3∶1 | 19.8万, 县级财政资金 | 50万, 县级财政资金 |
配套政策 | 地方 办法 | √ | √ | × | × |
保险体系 | 全域 层面 | √ | √ | × | × |
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