The Compulsory Premium Rises With The Train Ticket &Nbsp, But The Insurance Amount Remains Unchanged For 20 Years.

As of this newspaper deadline, the "7. 23" Ningbo Wenzhou line particularly serious railway traffic accident has caused 39 deaths and more than 200 injured.

According to media reports, according to the current domestic main compensation provisions for railway accidents, the maximum amount of compensation per passenger is 172 thousand yuan. For this compensate for There is a question mark in the minds of experts, scholars, insurance personnel, family members of the deceased and even ordinary people.

Why is the price of train tickets loiter, and the premium for compulsory accident insurance, which accounts for 2% of the total, is also rising, but the insured amount will remain unchanged?

After the "7 / 23" accident, the Ministry of Railways is facing the pressure to raise the amount of protection.

Few casualties were insured in the "7. 23" motor vehicle accident.

Yesterday afternoon, miss S, a claim officer in a Hangzhou branch of an insurance company, told her two days of work:

After the "7. 23" accident, the CIRC took the lead, and each insurance company's batches of units were registered with the major hospitals in Wenzhou to register information on the victims and the injured, and screened the customers.

At noon on July 24th, the company identified a Tianjin resident as the customer of the company in the list of the dead, and also a passenger of D3115. The claims clerk immediately contacted the family members of the client, confirmed his family members, and promptly made a quick claim for the victim.

So far, miss S has found only 6 company customers in the list of "7 / 23" casualties. And she also heard that many insurance companies did not find the names of their customers on the list of the dead and injured.

That is to say, the injured passengers in the accident bought such accident insurance. business Insurance covers a small proportion.

According to the data provided by the CIRC, the per capita insurance compensation for the Jiaoji railway accident in 2008 was only 45 thousand yuan, and the number of insured persons who purchased commercial insurance was only about 1/4 of the casualties.

No commercial insurance was lost at most, only 172 thousand yuan. The premium premium standard remained unchanged for 20 years.

Some passengers may ask: Although I did not buy commercial insurance, I bought a ticket containing railway passenger accidental injury compulsory insurance (the insurance premium included in the train fare, the amount is 2% of the basic fare). How much can I pay for it? The answer is 172 thousand yuan.

How do you figure out 172 thousand yuan?

According to the regulations on emergency rescue and investigation and handling of railway traffic accidents (hereinafter referred to as "Regulations") implemented in 2007, the compensation limit for each passenger in the rear end event is 150 thousand yuan, and the compensation limit for baggage loss is 2000 yuan. Together with the regulation on compulsory passenger insurance for railway passenger accidents, which was revised in 1992, the maximum amount of insurance paid to passengers is 20 thousand yuan. It comes to 172 thousand yuan.

After the "7. 23" accident, some insurance practitioners referred to the railway department's compulsory insurance for railway passenger accidental injury as "profiteering". Because no matter how high the fare is, the rate of 2% remains unchanged, but the maximum premium is only 20 thousand.

Hao Yansu, Dean and doctoral tutor of the Central University of Finance and insurance, also pointed out in micro-blog that the "Regulations on compulsory insurance for railway passenger accidental injury" promulgated in 1951 and 1992 have been implemented for many years, and the fare has increased by N times.

Now, the number of EMU and high-speed rail fares is hundreds of dollars, or even thousands of yuan. According to the 2% of the fare, the premium can be up to more than 20 yuan, but the maximum amount insured will still be only 20 thousand yuan. This is obviously unfair.

　 Railway passenger Compulsory insurance Internal insurance is far lower than other modes of spanportation insurance.賠償標(biāo)準(zhǔn)

China's train ticket compulsory insurance was first promulgated in 1951 by the finance and Economic Committee of the Executive Yuan, and the People's Insurance Company of China was identified as the insurer of railway passenger accidental injury compulsory insurance.

After several amendments, the compulsory insurance business of railway passenger accident injury was spanferred to the Ministry of Railways in 1959. In June 5, 1992, the Ministry of Railways issued the circular on raising the insured amount of railway passenger accidental injury. The notice was implemented in August 1992 and the claim limit was adjusted to 20 thousand yuan.

Some scholars have said that the Ministry of Railways and the train ticket insurance of the Ministry of Railways all adopt the mode of self insurance by the Ministry of railways. There are two points for improvement: first, there is no connection with the insurance compensation standard of other modes of spanportation; two, the amount of insurance has remained unchanged for 19 years, but the premium has been rising.

In the early morning of July 22nd, a serious traffic accident happened at the Beijing Zhuhai Expressway in Xinyang, Henan. The bus was burned, killing 41 people and injuring 6 people. The coach insured the road passenger carrier liability insurance in the Pacific (8.96, -0.02, -0.22%) Shandong branch, and paid 5 million yuan in advance within 1 working days after the accident.

Compared with several hundred thousand or even millions of compensation for death caused by a car accident, the compulsory insurance for railway passenger accidental injury, which is only 172 thousand yuan, is too low.

Many insurance companies suggest that the compulsory insurance for accidental injury should not be handled by railway departments alone.

Maybe some Passenger I don't know who paid the premiums of 2% of your fares. Railway passenger accidental injury compulsory insurance has been independently run by railway departments.

The insurance industry has revealed that the railway sector has been self insured in the industry. If the compensation standard is set too high, the economic burden of the railway sector will be heavy once an accident occurs.

In this regard, miss S believes that now aviation and passenger spanport in the accident risk, are Business insurance company intervention, rail spanport is also part of spanport, if the railway passenger accident injury insurance is no longer run by the railway department alone, but also open to commercial insurance, customers can have the right to choose freely, will get better protection.

Another insurance company also pointed out that allowing commercial insurance to join railway spanportation is an ideal choice. On the one hand, it can meet the requirements of compensation for casualties and passengers. On the other hand, it can solve the urgent need of railway spanportation enterprises after accidents, and also expand the business field of insurance companies.

Insurance experts suggest that compensation should be made in accordance with the standard of 960 thousand yuan per person in Yichun air crash.

Then, how much should we pay for the casualties in this accident?

First look at the two sets of data of Railway Financial Statements: the revenue of the Ministry of Railways in 2008, 2009 and 2010 was 92 billion 996 million yuan, 109 billion 47 million yuan, and 134 billion 491 million yuan respectively. According to the ratio of compulsory insurance 2%, the three year premium income of the Ministry of Railways is about 1 billion 860 million yuan, 2 billion 181 million yuan, 2 billion 690 million yuan, and the total amount of 6 billion 731 million yuan in three years.

Professor Hao Yansu also made a rough calculation in micro-blog: after deducting all costs, the "7.23" accident involves personal accident compensation, which will not exceed 10% of the premium that should be purified last year.

Yesterday, the first compensation result of the Wenzhou motor vehicle accident reached the victim's family member's compensation amount of 500 thousand yuan. Hao Yansu believes that the 500 thousand yuan standard is not appropriate.

The compensation standard for the victims of the Yichun air crash was 960 thousand yuan, and the airlines did not treat them differently according to the first class and discount tickets, which reflected the idea of equal value of life. Therefore, Hao Yan Su thinks that the Wenzhou motor vehicle accident should also be compensated by no less than 960 thousand yuan standard. Only last year's premium income can be easily borne.