Low-income households refer to families who have lost their labor force due to severe disability or illness of their family members and enjoy the minimum living allowance. The functions of insurance mainly include loss compensation, economic payment, disaster prevention and loss prevention, financing and so on. Insurance can transfer the economic loss of the insured to the insurance company to a certain extent, and the insurance company can perform the function of insurance compensation. Insurance includes social insurance and commercial insurance, among which social insurance also has the function of stabilizing social life and redistribution.
1. What are the conditions for low-income households?
Residents (village) who have no financial resources, no ability to work, no dependents or dependents; Residents (villages) who have not been re-employed during the period of receiving unemployment benefits or after the expiration of unemployment benefits, and whose per capita monthly income is lower than the municipal minimum living standard; When employees receive the minimum wage or retirees receive pensions, the per capita monthly income of the family is still lower than the living standard of the city (village); Other residents (villagers) whose per capita monthly income is lower than the minimum living standard of this Municipality (except five-guarantee households); I live in the countryside, but I have no land, no ability to work, no ability to make money and no source of income.
Low-income families can get some subsidies and subsidies, but the subsidy standards vary from place to place. For example, the minimum standard of urban subsistence allowance is 496 yuan per person per month in 620 yuan and 496 yuan per person per month in rural areas, and some have set up first-,second-and third-level nursing subsidies, so it is necessary to consult the local government in official website or relevant local departments.
2. What is the principle of insurance?
Principle of utmost good faith: This principle means that both the insured and the insurance company should maintain the utmost good faith, and both parties shall not deceive or conceal each other; Principle of insurable interest: this principle means that the insured can enjoy legally recognized economic benefits according to the insurance contract, and the insurance company must implement it according to the effective contract; Compensation principle: this principle means that after an insurance accident, the insurance company will only compensate according to the actual amount of damage within the insured amount, and the insured will not get additional income; Principle of proximate cause: this principle means that the insurance company only compensates the losses caused by accidents within the scope of insurance liability, and does not compensate those not within the scope agreed in the contract;