建立残疾人团体商业保险机制的探索

Explorations to Establish Commercial Group Insurance for the Disabled

文章以无锡市滨湖区残联为残疾人集体投保为例,介绍了从统筹规划保险方案、委托保险经纪公司公开招标选择承保公司和确定保险服务细则、建立区残联与保险经纪公司、保险公司的信息互动共享平台等残疾人商业保险服务的流程。提出通过建立商业保险保障残疾人最大利益的建议,主要有将保险机制创新残疾人的管理与服务工作纳入残疾人事业发展总体安排、争取国家政策保证保险服务供给持续稳定、整合社会资源形成加快残疾人小康进程的社会氛围等。

This paper took the collective insurance for the disabled in Binhu District of Wuxi City as an example, introducing the whole process of commercial insurance service for the disabled. It included overall planning of insurance package, public bidding conducted by insurance brokers to select insurance company, confirming insurance service detailed rules as well as establishing an information sharing platform among the disabled persons＇ federation, insurance brokers and insurance companies. Then it proposed suggestions on how to maximize the interests of the disabled in commercial insurance. It suggested that insurance mechanism should be included into management and services of the disabled, as part of developing plan of the cause for the disabled. Meanwhile, sustainably offered insurance service need to be secured by government policies and social resources need to be introduced to create social atmosphere to promote the well-off process of the disabled.