What does poverty insurance mean?

Poverty alleviation insurance is an insurance initiated by the national finance department and China People's Insurance Company. Buying insurance for non-poor low-income families and non-high-standard poor families mainly guarantees poverty or returning to poverty caused by diseases, schools or disasters, with the aim of better solving the problem of "decreasing but increasing" the poor population.

Anti-poverty insurance is different from commercial insurance. The insurance premium is mainly allocated by the state finance, and the insured only needs to bear a very low insurance premium. The insurance premium is in the form of "more refund and less compensation, and the balance is carried forward".

In 20 17 and 10, the party committee and county government of wei county jointly launched the first commercial poverty-alleviation insurance product in the industry-"poverty-alleviation insurance", aiming at the poverty and fragile poverty of two special groups, grasping the key factors such as poverty caused by illness, returning to poverty, schools and disasters, and providing corresponding insurance protection. 2065438+August 2008, Qiu County, Handan City explored the establishment of poverty alleviation insurance mechanism. Since the implementation of the poverty alleviation insurance policy in Laiyuan County from June 2065438 to October 2008, * * * has found 444 families that meet the poverty alleviation conditions and paid insurance premium of 3,822,800 yuan, thus achieving "zero return to poverty" in the county. By the end of 20 19 and 10, Pingshan county in Shijiazhuang, Shunping county in Baoding and Nanhe county in Xingtai all reached agreements with insurance companies to provide poverty alleviation guarantee for nearly100000 rural population.

Poverty alleviation insurance is jointly created by the government and insurance companies, and is purchased for non-poor low-income families and non-high-standard poor families. Buy insurance. Solving the problem of "poverty alleviation", such as poverty alleviation insurance, can better help farmers cope with the economic losses caused by bad weather and give farmers more protection during planting. The coverage of poverty alleviation insurance has gradually expanded, and insurance has benefited all aspects of production and life of poor families. On the surface, such as rural property, individuals, medical care, etc. It is necessary to guard against poverty caused by disasters and diseases, as well as the reasons why farmers who have been out of poverty cannot get rid of poverty. All kinds of unexpected return to poverty. Poverty alleviation insurance also provides assistance to poor people in rural areas and provides support policies for poor groups so that they can get it. Corresponding insurance benefits, especially for the non-poor population, guide the insured or disabled insured to participate in insurance prevention. Poverty, to prevent poverty caused by old age, illness, work injury, loss of effort, childbirth, etc. Anti-poverty insurance may not be available everywhere, but users do. Usually you can consult local government departments, and then according to their actual insurance situation is various. After the introduction of insurance, more insurance companies may participate in poverty alleviation in the future.