构建农村留守儿童意外伤害保险机制的研究

Analysis on Accident Insurance Mechanism for Unattended Rural Children

随着我国经济体制改革的深化和城市化进程的推进,人口流动日益频繁,农村留守儿童的数量也不断增长。这些父母缺位的留守儿童意外伤害风险较非留守儿童显著增加。笔者从保险学的角度,分析留守儿童意外伤害风险,测算其额外风险保费,构建一种留守儿童意外伤害保险机制,形成一个以政府、学校、社区、保险公司为主的留守儿童意外伤害风险防范与管理机制。

Unattended rural children have been increasing as a result of mobile population increases in economy reform and urbanization.The risk of being injured in accident of these children without parent’s nursing is markedly higher than other children.This paper analyzes accidental injuring risk of unattended children,calculates their additional risk insurance premium,and designs an accidental insurance mechanism in which government provides premium allowance,school,community and insurer take action to cooperate against risks.