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The elevator will cover the future or full coverage
Elevator is an indispensable and convenient tool in city life. In recent years, with the domestic elevator safety incidents occur frequently, the public attention to the safety of the elevator is also increasing.Recently, Haikou City, the introduction of elevator safety liability insurance demonstration projects, as long as the insured, the elevator safety incidents, the insurance company will intervene in the first time claims, to avoid liability is unclear, who pay compensation and other issues. In the day of the project launch ceremony site, more than 400 households on-site elevator sign insured. Next, Haikou City plans to take the lead through the elevator industry associations and other related organizations to encourage the property company and the elevator maintenance company to buy the insurance.
"Compared to the traditional elevator insurance, the elevator safety liability insurance to reduce the insurance costs, an increase of the compensation limit." Haikou Elevator Association Secretary-General Chen Hongxin said. Who insured? How to pay? How much? According to the China Life Insurance Company of Hainan branch staff, in the current elevator accident frequent background, a guarantee elevator, maintenance personnel and even lift the elevator safety liability insurance came into being, for the enterprise and the government " Pocket "role.
In case of the event that the relevant administrative department of the State has determined that it is an elevator safety liability accident, the elevator manager or the owner shall be liable for economic compensation according to law. The elevator organization may transfer the risk to the insurer by purchasing the elevator safety liability insurance. In other words, the insured to maintain units and the use of management-based units, generally from the peacekeeping premium to come out, not an additional burden on the owners. In terms of compensation, in the elevator after the accident, the insurance company finds that the accident is the insurance liability, will be within 3 working days, can determine the loss of 50% of pre-compensation for accident handling and personnel treatment. The amount of compensation is also a detailed identification, the elevator basic insurance for each elevator accident and the cumulative limit of 4 million yuan compensation; per person compensation limit of 1 million yuan (of which each casualty compensation limit of 1 million yuan per person; The amount of compensation per person per incident medical expenses of 500,000 yuan; the amount of property per person per accident limit of 100,000 yuan); passenger stranded liability additional liability insurance limit: stay 40 minutes to 1.5 hours, 200 yuan per person compensation; 1.5 hours per person, each compensation 400 yuan; each elevator accident and the cumulative limit of 10,000 yuan; employee injury liability insurance for each accident compensation limit of 1.5 million yuan. It should be noted that the compensation limit per person per accident in each elevator accident compensation limit calculation, if an elevator accident, many people were injured or killed, each victim received compensation may be less than 1 million yuan.
Industry recommendations: to follow the traffic insurance to achieve full coverage
Analysis of the industry, the elevator will become a public transport one of the means of transport, failure or accident, take the elevator people often because of the main responsibility for the safety of the elevator is not clear, in the process of rights protection by the multi-"kick the ball," difficult to pay, . It can be said that the elevator safety liability insurance demonstration project promotion, Haikou City, elevator safety supervision mechanism innovation, worthy of other cities and counties in Hainan reference. A statistics show that the country's current elevator ownership has more than 400 million units, the annual growth rate of more than 20%, the country's elevator insurance rate of less than 5%. At present, Haikou elevator safety liability insurance demonstration project has just landed, how to further improve the coverage, let the project applauded? Elevator management department, the user suggested that, like the cross-strong insurance, compulsory insurance to the elevator. But also to increase publicity and education efforts to promote the use of units, management units and maintenance units and other active insurance. AQSIQ Special Equipment Safety Supervision Bureau, said Song Jihong, elevator safety liability insurance, to promote the safety of elevators is essential, it is actually a security protection of the lift a social relief mechanism.
"The insurance is not mandatory, but for the enterprise, can significantly increase the ability to resist risks." Haiyan City Bureau of Quality Supervision Deputy Director Zheng Yanan said that the elevator safety liability insurance is necessary, the future may become "the city of vertical traffic To pay high insurance". Therefore, the elevator insurance from the current encouragement, advocacy, to follow the mandatory compulsory insurance to promote traffic, on the one hand to improve the use of elevator units and the insurance unit of the insurance awareness, more importantly, there must be clear legislation related to the elevator must be insured, Clearly the responsibility of the elevator and the responsible person must bear the obligation to let the public really take the ladder worry.