【聚焦政策】----“综合防贫保”政策解读
<section data-role="outer" label="edit by 135editor" style="visibility: visible;"><section data-role="paragraph" style="visibility: visible;"><p style="vertical-align: inherit; visibility: visible;"></p><div style="text-align:center"></div><p></p></section><section data-tools="135编辑器" data-id="110570" style="visibility: visible;"><section style="text-align: left; margin: 10px auto; visibility: visible;"><section style="background-color: rgb(240, 249, 255); border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); border-radius: 7px; padding: 30px 20px; box-sizing: border-box; visibility: visible;" hm_fix="349:353"><section data-role="title" data-tools="135编辑器" data-id="110561" style="visibility: visible;"><section style="text-align: center; margin: 10px auto; visibility: visible;"><section style="display: flex; justify-content: center; align-items: flex-end; visibility: visible;"><section style="box-sizing: border-box; width: 60px; line-height: 0; flex-shrink: 0; visibility: visible;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 93.71 22.73" style="visibility: visible;" xml:space="default"><g style="visibility: visible;"><rect y="10.86" style="fill: rgb(114, 193, 244); visibility: visible;" width="77.77" height="1"></rect><polygon style="fill: rgb(114, 193, 244); visibility: visible;" points="76.27,19.56 72.52,19.56 77.99,3.16 81.75,3.16 "></polygon><polygon style="fill: rgb(41, 101, 255); visibility: visible;" points="86.19,22.73 80.55,22.73 88.07,0 93.71,0 "></polygon></g></svg></section><section style="font-size: 28px; color: rgb(41, 101, 255); font-style: italic; line-height: 22px; margin: 0px 8px; visibility: visible;"><strong style="visibility: visible;">0</strong><strong style="visibility: visible;">1</strong></section><section style="box-sizing: border-box; width: 60px; line-height: 0; flex-shrink: 0; visibility: visible;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 94.71 22.73" style="visibility: visible;" xml:space="default" hm_fix="340:274"><g style="visibility: visible;"><rect x="16.18" y="10.86" transform="matrix(-1 5.716437e-11 -5.716437e-11 -1 110.893 22.7254)" style="fill: rgb(114, 193, 244); visibility: visible;" width="78.53" height="1"></rect><polygon style="fill: rgb(114, 193, 244); visibility: visible;" points="17.44,3.16 21.2,3.16 15.72,19.56 11.97,19.56 "></polygon><polygon style="fill: rgb(41, 101, 255); visibility: visible;" points="7.52,0 13.16,0 5.64,22.73 0,22.73 "></polygon></g></svg></section></section><p style="vertical-align: inherit; font-size: 16px; letter-spacing: 1px; color: rgb(28, 54, 120); margin-top: 6px; visibility: visible;"><span style="font-size: 18px; visibility: visible;"><strong data-brushtype="text" style="visibility: visible;">理赔对象</strong></span></p></section></section><section style="border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); padding: 4px 13px; border-radius: 20px; margin-top: 17px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(68, 68, 68); visibility: visible;"><p style="text-align: left; vertical-align: inherit; text-indent: 0em; line-height: 1.75em; visibility: visible;"><span style="font-size: 17px; letter-spacing: 0.25px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">家庭成员无享受型用车、船舶、工程机械及大型农机具的；</span></p></section></section></section><section style="border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); padding: 4px 13px; border-radius: 20px; margin-top: 17px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(68, 68, 68); visibility: visible;"><p style="vertical-align: inherit; line-height: 1.75em; visibility: visible;"><span style="font-size: 17px; visibility: visible;">家庭成员无商品房，或高标准修建新房、装修现有住房（不含因灾重建、易地扶贫搬迁和国家统征拆迁房屋）的；</span></p></section></section></section><section style="border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); padding: 4px 13px; border-radius: 20px; margin-top: 17px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(68, 68, 68); visibility: visible;"><p style="text-align: justify; vertical-align: inherit; line-height: 1.75em; visibility: visible;"><span style="letter-spacing: 0.25px; font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">家庭成员无正式编制的财政供养人员、村四职干部（有重大返致贫风险等情况除外）的；</span></p></section></section></section><section style="border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); padding: 4px 13px; border-radius: 20px; margin-top: 17px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(68, 68, 68); visibility: visible;"><p style="text-align: justify; vertical-align: inherit; line-height: 1.75em; visibility: visible;"><span style="font-size: 17px; visibility: visible;">家庭成员无办有或投资企业的，长期雇佣他人从事生产经营活动，并正常经营纳税的；</span></p></section></section></section><section style="border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); padding: 4px 13px; border-radius: 20px; margin-top: 17px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(68, 68, 68); visibility: visible;"><p style="text-align: justify; vertical-align: inherit; line-height: 1.75em; visibility: visible;"><span style="font-size: 17px; visibility: visible;">家庭成员无大额银行存款、有价证券、债券、储蓄型保险的；</span></p></section></section></section><section style="border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); padding: 4px 13px; border-radius: 20px; margin-top: 17px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(68, 68, 68); visibility: visible;"><p style="text-align: justify; vertical-align: inherit; line-height: 1.75em; visibility: visible;"><span style="font-size: 17px; visibility: visible;">家庭人均可支配收入高于上年度城口县农村居民可支配收入平均水平，且没有出现因病因灾因意外事故等刚性支出较大或收入大幅缩减导致基本生活出现严重困难的对象，不纳入保障范围。</span></p></section></section></section></section></section></section><section data-tools="135编辑器" data-id="110570" style="visibility: visible;"><section style="text-align: left; margin: 10px auto; visibility: visible;"><section style="background-color: rgb(240, 249, 255); border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); border-radius: 7px; padding: 30px 20px; box-sizing: border-box; visibility: visible;" hm_fix="349:353"><section data-role="title" data-tools="135编辑器" data-id="110561" style="visibility: visible;"><section style="text-align: center; margin: 10px auto; visibility: visible;"><section style="display: flex; justify-content: center; align-items: flex-end; visibility: visible;"><section style="box-sizing: border-box; width: 60px; line-height: 0; flex-shrink: 0; visibility: visible;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 93.71 22.73" style="visibility: visible;" xml:space="default"><g style="visibility: visible;"><rect y="10.86" style="fill: rgb(114, 193, 244); visibility: visible;" width="77.77" height="1"></rect><polygon style="fill: rgb(114, 193, 244); visibility: visible;" points="76.27,19.56 72.52,19.56 77.99,3.16 81.75,3.16 "></polygon></g></svg><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 93.71 22.73" style="visibility: visible;" xml:space="default"><g style="visibility: visible;"><polygon style="fill: rgb(41, 101, 255); visibility: visible;" points="86.19,22.73 80.55,22.73 88.07,0 93.71,0 "></polygon></g></svg></section><section style="font-size: 28px; color: rgb(41, 101, 255); font-style: italic; line-height: 22px; margin: 0px 8px; visibility: visible;"><strong style="visibility: visible;">02</strong></section><section style="box-sizing: border-box; width: 60px; line-height: 0; flex-shrink: 0; visibility: visible;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 94.71 22.73" style="visibility: visible;" xml:space="default" hm_fix="340:274"><g style="visibility: visible;"><rect x="16.18" y="10.86" transform="matrix(-1 5.716437e-11 -5.716437e-11 -1 110.893 22.7254)" style="fill: rgb(114, 193, 244); visibility: visible;" width="78.53" height="1"></rect><polygon style="fill: rgb(114, 193, 244); visibility: visible;" points="17.44,3.16 21.2,3.16 15.72,19.56 11.97,19.56 "></polygon><polygon style="fill: rgb(41, 101, 255); visibility: visible;" points="7.52,0 13.16,0 5.64,22.73 0,22.73 "></polygon></g></svg></section></section><section style="font-size: 16px; letter-spacing: 1px; color: rgb(28, 54, 120); margin-top: 6px; visibility: visible;"><span style="font-size: 18px; visibility: visible;"><strong data-brushtype="text" style="visibility: visible;">保险责任</strong></span></section></section></section><section style="border-width: 1px; border-style: solid; border-color: rgb(43, 74, 153); padding: 4px 13px; border-radius: 20px; margin-top: 17px; box-sizing: border-box; visibility: visible;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; visibility: visible;"><section data-brushtype="text" style="font-size: 14px; letter-spacing: 1.5px; color: rgb(68, 68, 68); visibility: visible;"><p style="text-align: justify; vertical-align: inherit; line-height: 1.75em; visibility: visible;"><span style="font-size: 17px; letter-spacing: normal; visibility: visible;"><strong style="visibility: visible;">医疗补助。</strong><span style="font-size: 17px; font-family: " times="" new="" roman";="" visibility:="" visible;"="">参保对象因疾病、意外住院产生的医保目录内医疗费用，经基本医疗保险、大病保险（必要前置条件，如被保险人没有参加上述保险，扣除应由上述保险保障的部分）和医疗救助等政策性制度保障后，对其医保目录内产生自付费用全年累计超过2万元以上部分，由保险公司分段对目录内自付费用进行赔付，2—5万（含）赔付比例为65%，5—10万（含）赔付比例为75%，10万以上赔付比例为85%。每人每年最高赔付不超过10万元。如被保险人享受巩固脱贫保、惠民济困保保障，扣除相应赔付后再另行计算。</span></span></p></section></section></section><section style="border-width: 1px;border-style: solid;border-color: rgb(43, 74, 153);padding: 4px 13px;border-radius: 20px;margin-top: 17px;box-sizing: border-box;"><section style="display: flex;justify-content: flex-start;align-items: flex-start;"><section data-brushtype="text" style="font-size: 14px;letter-spacing: 1.5px;color: #444444;"><p style="text-align:justify;vertical-align: inherit;line-height: 1.75em;"><span style="font-size: 17px;letter-spacing: normal;"><strong>意外身故残疾。</strong><span style="font-size: 17px;font-family: " times="" new="" roman";"="">保障对象因遭受外来的、非本意的、突发的、非疾病的客观事件导致身故或残疾的，经巩固脱贫保、惠民济困保等政策补助后，对未达到赔付标准的进行补充赔偿。意外身故或残疾的理赔标准：0—18岁（含）赔付限额2万元，19—60岁（含）赔付限额6万元，60岁及以上赔付限额2万元。意外致残按照评残等级进行比例赔付，10级伤残赔付10%、9级伤残赔付20%以此类推。</span></span></p></section></section></section><section style="border-width: 1px;border-style: solid;border-color: rgb(43, 74, 153);padding: 4px 13px;border-radius: 20px;margin-top: 17px;box-sizing: border-box;"><section style="display: flex;justify-content: flex-start;align-items: flex-start;"><section data-brushtype="text" style="font-size: 14px;letter-spacing: 1.5px;color: #444444;"><p style="text-align:justify;vertical-align: inherit;line-height: 1.75em;"><span style="font-size: 17px;letter-spacing: normal;"><strong>房屋损失。</strong><span style="font-size: 17px;font-family: " times="" new="" roman";"="">参保对象（以户为单位）实际居住且拥有所有权的唯一安全住房（含生活用房）因遭遇火灾、爆炸、自然灾害（包括：雷击、台风、暴风、暴雨、龙卷风、雪灾、雹灾、冰凌、泥石流、崖崩、滑坡、地面突然塌陷等）导致房屋损失的，或经巩固脱贫保赔付后还存在损失的，扣除绝对免赔3000元后按<span style="font-size: 17px;font-family: " times="" new="" roman";"="">100%</span>进行赔付，每户每年最高赔付限额为<span style="font-size: 17px;font-family: " times="" new="" roman";"="">3</span>万元。</span></span></p></section></section></section><section style="border-width: 1px;border-style: solid;border-color: rgb(43, 74, 153);padding: 4px 13px;border-radius: 20px;margin-top: 17px;box-sizing: border-box;"><section style="display: flex;justify-content: flex-start;align-items: flex-start;"><section data-brushtype="text" style="font-size: 14px;letter-spacing: 1.5px;color: #444444;"><p style="vertical-align: inherit;text-indent: 0em;line-height: 1.75em;"><span style="font-size: 17px;letter-spacing: normal;"><strong>升学补助金。</strong><span style="font-size: 17px;font-family: " times="" new="" roman";"="">被保险人参加高考，考取全日制本科的当年给付一次性补助金3000元。</span></span></p></section></section></section></section></section></section><section data-tools="135编辑器" data-id="110570"><section style="text-align: left;margin: 10px auto;"><section style="background-color: rgb(240, 249, 255);border-width: 1px;border-style: solid;border-color: rgb(43, 74, 153);border-radius: 7px;padding: 30px 20px;box-sizing: border-box;" hm_fix="349:353"><section data-role="title" data-tools="135编辑器" data-id="110561"><section style="text-align: center;margin: 10px auto;"><section style="display: flex;justify-content: center;align-items: flex-end;"><section style="box-sizing:border-box;width: 60px;line-height: 0;flex-shrink: 0;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 93.71 22.73" style="enable-background:new 0 0 93.71 22.73;" xml:space="default"><g><rect y="10.86" style="fill:#72c1f4;" width="77.77" height="1"></rect><polygon style="fill:#72c1f4;" points="76.27,19.56 72.52,19.56 77.99,3.16 81.75,3.16 "></polygon></g></svg><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 93.71 22.73" style="enable-background:new 0 0 93.71 22.73;" xml:space="default"><g><polygon style="fill:#2965ff;" points="86.19,22.73 80.55,22.73 88.07,0 93.71,0 "></polygon></g></svg></section><section style="font-size: 28px;color: #2965ff;font-style: italic;line-height: 22px;margin: 0 8px;"><strong>03</strong></section><section style="box-sizing:border-box;width: 60px;line-height: 0;flex-shrink: 0;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 94.71 22.73" style="enable-background:new 0 0 94.71 22.73;" xml:space="default" hm_fix="340:274"><g><rect x="16.18" y="10.86" transform="matrix(-1 5.716437e-11 -5.716437e-11 -1 110.893 22.7254)" style="fill:#72c1f4;" width="78.53" height="1"></rect><polygon style="fill:#72c1f4;" points="17.44,3.16 21.2,3.16 15.72,19.56 11.97,19.56 "></polygon><polygon style="fill:#2965ff;" points="7.52,0 13.16,0 5.64,22.73 0,22.73 "></polygon></g></svg></section></section><section style="font-size: 16px;letter-spacing: 1px;color: #1c3678;margin-top: 6px;"><strong><span style="font-size: 18px;">保险期限及承保公司</span></strong></section></section></section><section style="border-width: 1px;border-style: solid;border-color: rgb(43, 74, 153);padding: 4px 13px;border-radius: 20px;margin-top: 17px;box-sizing: border-box;"><section style="display: flex;justify-content: flex-start;align-items: flex-start;"><section style="box-sizing:border-box;width: 18px;line-height: 0;flex-shrink: 0;margin: 2px 8px 0 0;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 28 28" style="enable-background:new 0 0 28 28;" xml:space="default"><g><circle style="fill:#2b4a99;" cx="14" cy="14" r="14"></circle><polyline style="fill:none;stroke:#ffffff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;" points="6,14.5 13,20.5 22,7.5 "></polyline></g></svg></section><section data-brushtype="text" style="font-size: 14px;letter-spacing: 1.5px;color: #444444;"><p style="text-align:justify;vertical-align:inherit;line-height: 1.75em;"><br></p><p style="text-align:justify;vertical-align:inherit;line-height: 1.75em;"><span style="letter-spacing: 0.25px;font-family: " times="" new="" roman";font-size:="" 17px;"="">保险期限为一年，从2021年7月1日至2022年6月30日。承保公司为中国人寿保险股份有限公司重庆市分公司。</span></p></section></section></section></section></section></section><section data-tools="135编辑器" data-id="110582"><section style="text-align: center;margin: 10px auto;"><section style="display: flex;justify-content: center;align-items: center;"><section style="box-sizing:border-box;width: 60px;line-height: 0;flex-shrink: 0;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 93.71 22.73" style="enable-background:new 0 0 93.71 22.73;" xml:space="default"><g><rect y="10.86" style="fill:#72c1f4;" width="77.77" height="1"></rect><polygon style="fill:#72c1f4;" points="76.27,19.56 72.52,19.56 77.99,3.16 81.75,3.16 "></polygon></g></svg><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 93.71 22.73" style="enable-background:new 0 0 93.71 22.73;" xml:space="default"><g><polygon style="fill:#2965ff;" points="86.19,22.73 80.55,22.73 88.07,0 93.71,0 "></polygon></g></svg></section><section style="font-size: 17px;letter-spacing: 1.5px;color: #2965ff;margin: 0 6px;font-style: italic;"><strong data-brushtype="text">END</strong></section><section style="box-sizing:border-box;width: 60px;line-height: 0;flex-shrink: 0;"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 94.71 22.73" style="enable-background:new 0 0 94.71 22.73;" xml:space="default" hm_fix="357:269"><g><rect x="16.18" y="10.86" transform="matrix(-1 5.716437e-11 -5.716437e-11 -1 110.893 22.7254)" style="fill:#72c1f4;" width="78.53" height="1"></rect><polygon style="fill:#72c1f4;" points="17.44,3.16 21.2,3.16 15.72,19.56 11.97,19.56 "></polygon><polygon style="fill:#2965ff;" points="7.52,0 13.16,0 5.64,22.73 0,22.73 "></polygon></g></svg></section></section></section></section><section data-role="paragraph"><p style="text-align: right; vertical-align: inherit;"><font size="1" color="#696969">来源：乡村振兴在行动</font></p></section></section>
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