National Committee of the Two Sessions | Sun Jie: How to promote the high-quality development of education insurance

(Source: People’s Forum Network 2020-05-21)

General Secretary Xi Jinping emphasized at the 2018 National Education Conference that party committees and governments at all levels must support the safety of schools, solve their worries, maintain the dignity that teachers and schools deserve, and protect the lives and safety of students. According to statistics, about 50,000 children die from accidental injuries in our country every year, and w88 casino safety has become a matter of concern to the whole society.

The current situation of education insurance in my country

Education insurance arises from the objective needs of schools to deal with safety risks. It not only supports the expansion of educational and teaching activities with risk-dispersing technical methods, but also uses market-oriented means to demonstrate the importance of management responsibilities of schools, families and society. As an important mechanism to effectively prevent, control and transfer educational risks, education insurance has become a common practice in establishing a modern w88 casino system.

At present, the coverage rate of my country's education insurance in schools exceeds 80%, and nearly 200 million students enjoy various education insurance protections every year, which fully reflects the care and concern of the party and the government for the majority of students. Take w88 casino liability insurance as an example. This insurance has become the industry-wide liability insurance product with the largest number of beneficiaries, the widest coverage, the lowest financial investment, and the highest level of protection in my country and even in the world. In the history of the development of my country's insurance industry, there has never been a product that can be like w88 casino liability insurance. The state has protected the vast majority of w88 casino students with such a small investment. There has also never been a liability insurance product in the national insurance market that can cover hundreds of thousands of yuan per capita for just a few yuan. ; There is no other insurance product that can achieve the integrity of market participants through the professional services of insurance brokers, safeguard the interests of education departments, teachers and students, activate market development potential, and have been rapidly promoted and popularized like w88 casino liability insurance, and has won unanimous praise from all parties.

Problems existing in my country’s education insurance

While making significant progress, we have also seen that the availability of education insurance for schools of different types, stages, regions, and groups, or for teachers and students, is still uneven. There is still a certain gap between achieving the goal of "all the insurance and adequate protection" for all types of schools at all levels and all teachers and students. In particular, the following issues require special attention: From the perspective of w88 casino types, there is a large gap in the popularity of education insurance between schools founded by social forces and public schools. Looking at schools at different stages, the penetration rate of education insurance in schools in the non-compulsory education stage is relatively low; the gap between regions and urban and rural schools in universal education insurance is narrowing, but the degree of protection still varies; private schools, off-campus training institutions, left-behind children and other groups have insufficient access to education insurance. With the reform of the system, faculty and staff insurance protection also faces restrictions on identity, funds, policies, etc. From the perspective of education insurance products, the integration of w88 casino liability insurance and teacher and student accident health insurance is attracting more attention. Finally, taking education insurance as the starting point, paying attention to w88 casino safety risks, and further improving the construction of the w88 casino safety risk prevention and control system are essential to achieve high-quality development of education insurance work.

Policy suggestions for accelerating the high-quality development of education insurance

Strengthen the top-level design of education insurance work.With an understanding of the reality of risks, the connotation and extension of education insurance have been continuously enriched, and the demand and supply for education insurance have also expanded significantly. Education insurance is becoming an important way for schools to control uncertainty and optimize educational governance methods. From self-development, focusing on the grassroots to orderly planning, strengthening top-level design, and achieving top-down integration, we hope that all parties, including government, research, social enterprises, and other forces will join forces to jointly study and formulate development plans, construction goals, main tasks, and major projects for education insurance and risk management systems, and further improve supporting measures such as policies, funding, talents, and services.

Sound the organizational mechanism for education insurance work.w88 casino safety is an important part of social security and concerns millions of households, from the government, the market and all aspects of society, to schools and students at all stages of education, primary and secondary schools, and involves different levels and functional departments at the national and local levels. To this end, it is recommended to form a responsible department that can take comprehensive leadership horizontally within education, and to form a unified w88 casino risk management organizational system vertically for the country, province, city, county, and w88 casino. It is hoped that a w88 casino safety risk management committee mechanism with the education department as the main component (participation) can be established from the national to local levels to achieve centralized management, comprehensive policy implementation, and a synergy.

Improving the systems and regulations for education insurance.Education insurance is related to the vital interests of hundreds of millions of educated people. It faces the demand and pressure for standardization and improvement in terms of coverage, degree of protection, source of funds, claims processing, operating procedures, and definition of administrative and market relationships. At present, our country has yet to formulate complete rules and regulations for education insurance, and some relevant content in the past was scattered in various laws and policies. To this end, it is recommended to study and introduce a special system for education insurance, clarify the universality of education insurance in schools at all levels and types, standardize the professional qualifications and operational requirements in education insurance and risk management services, and clarify and rationalize the cooperation mechanism between administration and the market in education insurance.

Clearly define the broker advisory system for education on insurance work.Just like hiring legal consultants, we should use the market mechanism to improve and give full play to the role of insurance brokers as w88 casino safety risk consultants, so that they can provide more convenient, fast, high-quality and efficient public services. Practice has proven that, starting from the dual positioning of law and market, insurance brokers, as w88 casino safety risk consultants, can not only provide education insurance with full-process services from planning, price, underwriting, and claims settlement. At the same time, as an independent professional third party, insurance brokers will integrate internal driving forces and professional capabilities to proactively manage risks, act as assistants and eyes of schools, and strive to reduce risks and losses, forming a community of interests for multi-faceted campus safety governance.

Achieve the goal of education insurance to “cover everything that should be covered and provide adequate protection”.The development of my country’s “moderately inclusive” child welfare system is accelerating. Shenzhen, Tianjin, Ningbo and Beijing have already established or are preparing to establish critical illness and accidental injury insurance systems covering children of all ages and provide appropriate financial subsidies. In the new era, it is suggested that relevant national departments should consider working towards the direction of ensuring full protection for everyone, so that education insurance can become a model of combining social insurance and commercial insurance, and make full use of new technologies and new means such as the Internet and mutual insurance to provide insurance for all students in w88 casino, especially for rural areas, non-compulsory education, special education and other schools and students.

Establish a standard system for education insurance and risk management.Using insurance to control risks is the starting point and the final destination of education insurance work. It is recommended to establish w88 casino safety risk evaluation index systems and evaluation models, different types of w88 casino safety risk management methods, disaster and w88 casino safety risk emergency control plans, w88 casino safety risk maps, supervision and evaluation methods for education management departments and w88 casino safety risk management, etc. in accordance with relevant laws and policies, with the help of service support from relevant professional institutions such as insurance brokers, and incorporate relevant indicator systems into the national education standard system. In accordance with the policy of separation of education management, administration, and grades, conduct evaluation of education risk management work. Change the traditional empiricist approach to w88 casino safety work and continuously improve the rational component of science, standards and norms.

Establish an education insurance and risk management information platform.Using education insurance as the starting point, establish an information sharing mechanism to improve the w88 casino's risk identification level and risk management capabilities, and achieve effective docking of relevant information systems of management departments and service agencies. Establish a w88 casino safety risk early warning and monitoring system to compare dynamic data information with the w88 casino safety risk assessment indicator system; establish a w88 casino comprehensive emergency management command platform to improve the w88 casino's various risk information linkage mechanisms through networking, digitalization, and visualization; establish a w88 casino risk transfer service platform to realize the orderly connection of w88 casino safety accident insurance, prevention and control, and claims services.

Create an educational insurance culture of “learning insurance, understanding insurance, and using insurance”.Insurance is an important industry in the modern economy and one of the basic means of risk management. It is also one of the important symbols of the progress of social civilization, economic development, and social governance capabilities. The significance and importance of insurance to schools, families, individuals and the entire society is self-evident. Due to various reasons, some people have misunderstandings and blind spots about insurance, and it is regrettable that students have difficulty in providing relief after accidents. Education insurance is not only a tangible product, but education insurance culture is also a spiritual manifestation of risk awareness, risk management, and social governance, which helps to enhance the mutual aid awareness, market awareness, and integrity awareness of students and all citizens. The benefits of education insurance are present and will benefit the future.

(Author’s affiliation: w88 casino of Insurance, w88 casino)

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