1. Poverty prevention insurance is a kind of insurance jointly launched by the national financial department and the * * * insurance company. It is used to buy insurance for non-poor low-income households and non-high-standard poor households, mainly to ensure poverty or return to poverty due to illness, school and disaster, with the aim of better solving the problem of "increasing while reducing" the poor population.

2. Poverty prevention insurance is different from commercial insurance. The premium is mainly allocated by the state finance, and the insured only needs to bear a very low premium. The insurance premium is in the form of "more refund and less compensation, and the balance is carried forward". For example, poverty insurance can protect farmers from economic losses of crops caused by bad weather.

3. With the development, the coverage of poverty prevention insurance is increasing, which can gradually cover all aspects of production and life of poor families, such as property, personal and medical care. In addition, the poverty prevention insurance also gives support policies to poor people such as the rural minimum living allowance and the extremely poor.

4. Poverty prevention insurance can compensate up to 300,000 yuan. Not every region has insurance against poverty. Take Hainan Province as an example. If farmers pay the 2 yuan premium and the provincial and municipal governments bear the 9 yuan premium, they can get up to 300,000 yuan in compensation for diseases, disasters and accidental injuries, and 6,543.8+0.08 million yuan in property compensation.

develop

I. Main types of insurance and liability for compensation

1. Small accident insurance.

In case of death or disability due to accidental injury, the insured shall pay the maximum insurance premium of 30,000 yuan; Due to the diagnosis and treatment of accidental injury, the balance of the medical expenses actually paid by the insured that meet the payment scope of local social basic medical insurance shall be paid at the rate of 1 0,000%, with a maximum of 5,000 yuan, and 500 yuan shall be paid in one lump sum due to illness.

2. Supplementary insurance for critical illness.

1. Hospitalization: The medical expenses incurred by the insured due to illness (including chronic diseases and serious illnesses) shall be reimbursed by urban and rural residents' medical insurance, serious illness insurance and civil medical assistance at the rate of 80%. If the annual accumulated expenses reach or exceed 5,000 yuan (relative exemption), the insured shall enjoy insurance compensation. After the medical expenses incurred by the insured are reimbursed by basic medical insurance, serious illness insurance and civil medical assistance, the maximum compensation per person per year shall not exceed 30,000 yuan;

2. Outpatient medical treatment: If the outpatient medical expenses incurred by chronic diseases and serious diseases reach or exceed 500 yuan (relatively free of compensation) in some years, they should enjoy insurance compensation, and other outpatient medical expenses except chronic diseases and serious diseases are not included in the compensation scope. The medical expenses incurred by the insured due to chronic diseases and serious diseases shall be reimbursed at the rate of 80% after the basic medical insurance and serious illness insurance assistance, and the maximum compensation shall not exceed 5,000 yuan per person per year.

3. Farmhouse insurance.

If the insured's house suffers from natural disasters (including earthquakes) or accidents, resulting in collapse or damage within the scope of the insurance agreement, differential compensation limits shall be adopted according to the insurance agreement. Among them: bamboo hut (1 1,000 yuan), adobe hut (25,000 yuan), brick (stone) wood structure (35,000 yuan) and reinforced concrete (60,000 yuan).