The Research On The Liability Insurance System Of The Aged In Our Country

In recent years, China’s aging phenomenon more and more serious. At present, China is the world’s most populous country who aged over60, national endowment enterprise facing unprecedented pressure. Institution endowment is an important part of pension mode in China. However, due to the current relevant national old-age security mechanism structure is imperfect, institution endowment service market is not mature, institutional pension operation risk big, the phenomenon such as service quality is uneven, lead to pension institutions in the lawful rights and interests of the elderly in the damage can not get effective protection and compensation in time. Under this background, ministry of civil affairs, China insurance regulatory commission, the national old three ministries on February28,2014, jointly issued by the and promote the advance endowment institutions about liability insurance work guidance, by vigorously to build this new pension agency liability insurance coverage to effectively protect the legitimate rights and interests of pension in-house at the old man, reduce pension institutions operating pressure, perfect our country’s social old-age security system. This article as pension agency liability insurance system of the new coverage to make a preliminary exploration, the full text is divided into five parts.The first part briefly introduces the pension agency liability insurance introduced background and significance of this system and its development at home and abroad: pension agency liability insurance is an aging society in our country is rising, pension services under the background of increasing pressure, will effectively solve the pension institutions in actual operation risk big, the legitimate rights and interests in the old man is hard to get the security dilemma. But as a result of this new coverage system in the aging of the population under the big background, domestic and foreign research depth and breadth to this are very limited.The second part is the practical operation of pension agency liability insurance should be taken to make certain analysis what insurance mode:through the analysis to discuss any liability insurance models and compulsory liability insurance of both advantages and disadvantages, and combined with the actual national conditions in China, the author thinks that pension agency liability insurance in our country should adopt compulsory liability insurance.The third part discusses the pension agency liability insurance of the scope of application:first of all pension agency liability insurance liability accident made typed analysis, the second type division and its responsibility should belong to the endowment institutions in respect of the liability types, the simple analysis pension agency liability insurance coverage and exemption for excluding people deliberately not compensation factor which causes accidents.The fourth part is pension agency liability insurance the insurance cost burden mechanism in the actual operation to discuss:the author of several common insurance practice of burden mechanism to make a brief analysis is introduced, based on a few principles of insurance cost burden shall determine the argument, draw a pension agency liability insurance premium burden across from set out actually, integrate various insurance cost burden mechanism of premium pay model.The last part, the author is pension agency liability insurance after be or get out of danger of his own opinions on the issue of compensation:pension agency liability insurance claims should always adhere to the seeking truth from facts, heavy contract, keep promise, active, rapid, accurate and reasonable principle of claims, in the process of claims, in particular should take into account the apportioning blame, identify the compensation object, handle claims, liability insurance and life insurance coexist at the same time the author on the mechanism of claim for compensation and compensation claims on behalf of the principals and simple talk about his own views and opinions.