Social security insurance is a policy insurance under the leadership of the county party committee and government, organized and coordinated by the county comprehensive management department, with the government, county-level comprehensive management responsibility units, communities and village (neighborhood) committees as the insured objects, and organized and implemented by Xiushui Branch of China People's Property Insurance Company. The form of insurance is signed by the township, county comprehensive management responsibility unit, community and county PICC property company, and the insurance period is one year. After the accident, the village (neighborhood) committee and the township comprehensive management office assisted in the settlement of claims, and the county PICC property company made personal compensation. After the claim materials are complete, the compensation will be credited to the bank accounts of the residents and farmers in danger within 10 working days.
Social security insurance refers to that during the insurance period, where incidents such as robbery, robbery, burglary, intentional injury, terrorist attacks, riots, mass incidents and malicious destruction occur within the administrative area, resulting in personal injury or property losses, the victim can get personal and property assistance within the insurance subsidy limit first. From the date of spontaneous crime, it is verified by the public security organs and filed according to law to recover the economic losses of the victim to the maximum extent.
Social security insurance premium is not a special fund, but a commercial insurance. This is an innovative model of comprehensive management of social security at the grass-roots level. The grass-roots government departments take the lead in organizing residents to voluntarily pay certain fees to insurance companies to improve the personal and property protection of residents. At present, social security insurance is divided into family property and personal accidental injury, and you can choose not to pay it.
Under the following circumstances, you can enjoy the corresponding assistance of social comprehensive security insurance.
1. Family property theft and loss relief
Household indoor property theft and robbery loss insurance is included in the insurance according to the maximum subsidy limit of 5,000 yuan per household per year. Among them, the cumulative maximum subsidy standard for cash, gold and silver jewelry is 65438 yuan +0000 yuan per household per year; The cumulative subsidy limit for chickens, ducks, geese, rabbits, turkeys and other poultry is 500 yuan per household per year; The maximum subsidy for cattle is 65438 yuan +0000 yuan per head; The highest subsidy for pigs and sheep is 500 yuan; The maximum cumulative subsidy for licensed motorcycles is 65,438 yuan+0,000 yuan per household per year; The cumulative maximum amount of licensed electric vehicles is 600 yuan RMB per household per year; The maximum cumulative subsidy for bicycles is 200 yuan per household per year.
2. Relief and assistance in public security and criminal cases
If robbery, robbery, intentional injury or beating of others occur within the administrative area of zhouning county, resulting in personal injury or property loss of the victim, and the case is verified by the public security organ and accepted for filing according to law, the insurer shall, according to the insurance contract, give personal and property assistance to the victim within the insurance subsidy limit. For the case that the insurer has paid, after solving the case, the insurer has the right to claim compensation from the victim who robbed, robbed, intentionally injured, beat others or intentionally damaged public or private property within the amount of the paid subsidy. During the insurance period, the maximum amount of each accident (total personal injury and property loss) is RMB 35,000.
3. Relief for personal injury and property loss caused by emergency.
During the insurance period, in the administrative area of zhouning county City, cases of personal injury or property loss to a third party caused by terrorism, riots, mass incidents, malicious sabotage, etc. occur, and the insurance company shall provide subsidies according to regulations. The maximum subsidy limit for each accident is 6,543,800 yuan, and the cumulative subsidy limit for the whole year is 6,543,800 yuan.
4. Government assistance to traffic accidents
If a road traffic accident in the insurance area causes personal injury or death, and the responsible person cannot be found or compensation cannot be obtained, the insurer shall be responsible for the one-time casualty relief and medical expenses paid by the insured according to the relevant national or local laws and regulations. In the case that the insurer has paid the compensation, after finding the responsible person, the insurer has the right to recover from the responsible person within the amount paid by the insurer according to law (the public security bureau shall provide the statement or consent of the injured party's right transfer). Traffic accident rescue, the highest medical expenses per accident is 6,543,800 yuan, and the highest death and disability compensation liability per accident is 6,543,800 yuan.
5. Injury relief for mental patients
If a resident suffers personal injury in the insurance area due to intentional injury and is diagnosed as a mental patient, and the responsible person cannot be found or the responsible person is unable to compensate, the insurer shall be responsible for the one-time casualty relief and medical expenses paid by the insured according to relevant national or local laws and regulations. The insurer shall not be liable for the losses, expenses and responsibilities caused by the intentional acts and criminal acts of the victim. The maximum limit of medical expenses per accident, the maximum limit of property loss per accident and the maximum limit of compensation liability for death and disability per accident are 6,543.8+0,000 yuan and 6,543.8+0,000 yuan respectively.
6. Accidental injury due to participation in government-funded projects.
If the constructors (including village committees) who participated in the government-funded or subsidized rural engineering construction and the third-party personnel who suffered accidental injuries due to the government-funded rural engineering construction were disabled or killed, and the responsible person could not be found or compensated, and the insurer agreed to start the rescue after confirmation by the relevant government departments, the insurer shall make compensation within the compensation limit and enjoy the right to recover from the responsible person according to law. During the insurance period, each recipient pays a maximum of 6,543,800 yuan per year, a maximum of 500,000 yuan per accident, and a total of 2 million yuan per year.
7 casualties caused by poor maintenance of collective or state-owned public places.
Due to poor maintenance of collective or state-owned public gardens, urban street trees, fitness equipment and facilities, outdoor public service advertisements and public places, residents are accidentally disabled or killed, and it is impossible to find the responsible person or the responsible person is unable to compensate, and the insurer agrees to start the rescue after confirmation by the relevant government departments. During the insurance period, each recipient pays a maximum of 6,543,800 yuan per year, a maximum of 500,000 yuan per accident, and a total of 2 million yuan per year.
8. Unexpected casualties occurred in mass activities in the county.
Residents who participated in mass activities in zhouning county (including sports events sponsored by officials, mass organizations, village committees and non-governmental organizations) were unable to find the responsible person or compensate for the crowded stampede accident. If the relevant government departments agree to start the rescue, the insurer will make compensation within the compensation limit. During the insurance period, each recipient pays a maximum of 6,543,800 yuan per year, a maximum of 500,000 yuan per accident, and a total of 2 million yuan per year.
Legal basis:
People's Republic of China (PRC) Social Insurance Law (revised on 20 18)
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.