基于风险评估的费率机制探索——淮安工伤保险的实践

Explorement of Rates Mechanism Based on Risk Assessment——Practice of WorkRelated Injuries Insurance of Huaian

淮安新费率机制实施后,费率下浮单位数远多于上浮单位数,但每月因费率上浮增收的保费却多于每月因费率下降减收的保费。为进一步优化工伤保险费率体系,可建立基于风险评估的费率机制。以工伤保险支缴率为主要参考指标,将工伤发生率、因工死亡人数、重伤人数等因素纳入指标范围,对参保单位的风险等级进行评定,确保费率浮动与参保单位风险紧密相关,进一步发挥工伤费率机制促进安全生产的作用。

after carrying out of Huaian new rates mechanism, the number of units whose rate floating downward is much more than that floating upward, even though the amount of every month increasement of premiums caused by rate floating upward more than that reduction caused by rate floating downward, in order to optimize rate system of work-related injuries insurance further more, we can establish rates mechanism based on risk assessment, we should assess the risk level of Insurance units by taking the rate of payment and contribution of work-related injuries insurance as the main reference index and bringing the incidence of work-related injuries, the deaths caused by work, and the number of seriously injured, and so on into index range, to ensure rate floating closely related to their risk of insurance units and further more exert the effect of rate mechanism of work-related injuries who will promote the safety production.