At the end of the year and the beginning of the year, it is time for cleaning again, and the demand for many families to hire cleaning staff to clean is increasing. However, in the event of an accident involving a domestic service worker, who bears the responsibility? Who will compensate for bodily injury or property damage caused by a domestic helper to a family member of the employer? These problems have been bothering many consumers.
Recently, the National Development and Reform Commission and multiple departments jointly issued the "Guiding Opinions on Supporting and Guiding the Transformation and Development of the Employee System in the Domestic Service Industry", which proposes to encourage insurance companies to develop special insurance products such as domestic service liability insurance and accident insurance according to the needs of employee-based domestic service enterprises and employees. Encourage employee-based domestic enterprises to purchase accident insurance and occupational liability insurance for their employees, and encourage qualified areas to give priority to organizing employee-based domestic enterprises and employees to take out insurance and provide subsidies.
Domestic service personnel mainly refer to those who take the family as the service object and enter the residence of family members or provide paid services such as care, care, and cleaning for pregnant women, infants and young children, the elderly, and the disabled in a fixed place to meet the needs of family life. There are many types of housekeeping service insurance, and its protection liabilities include full-scene risk protection products represented by family property insurance, accident insurance, lessor liability insurance, tenant's liability insurance, pet third-party liability insurance, etc. The most common is the personal insurance coverage for domestic workers. For example, if a domestic worker is injured in an accident during domestic service, the insurance company will reimburse a certain percentage of the medical expenses according to the contract; If the accident is so serious that it results in the death of the insured, the insurance company will pay the death benefit according to the sum insured.
It is understood that the premiums of insurance related to housekeeping are also different due to different insurance responsibilities, mostly ranging from tens of yuan to hundreds of yuan. For example, domestic employer's liability insurance is generally only available to domestic companies, and it is only covered by a group insurance company. This type of insurance generally has an annual premium of more than 100 yuan, including insurance protection such as lost work expenses and accidental medical expenses.
Chen Qun, general manager of Tuanjiehu Millennium Housekeeping Service Company, said that the company will insure all housekeeping workers with housekeeping-related insurance every year, and if the number of people who buy insurance is not enough, the company will also pay for it, and strive to make every housekeeping worker have insurance protection. Chen Qun believes that domestic insurance can protect the personal rights and interests of domestic service workers, and can also reduce the financial compensation pressure of domestic service enterprises and employers. Housekeeping liability insurance realizes the transfer of responsibilities and the diversification of risks, and is an effective means to help the development of the housekeeping industry. According to Chen Qun, many housekeeping service companies have purchased related products, but this type of insurance is limited by factors such as the small scale of housekeeping enterprises and the high turnover rate of employees, and some companies lack enthusiasm for insurance.
Liu Lu, who lives in Binhai New Area, Tianjin, is a "post-90s" mother, and she usually hires a childcare nanny to help her take care of her children's daily life. She believes that the market size of the housekeeping industry has huge potential, but how to meet the diversified risk protection needs of domestic service workers and consumers is a difficult problem to be solved urgently. As China enters a deeply aging society, industry insiders believe that the care of the elderly has gradually become the focus of social attention, and the demand for risk protection in the field of housekeeping will continue to rise.
Experts say that housekeeping insurance can reduce the worries of domestic workers and avoid financial difficulties due to the pressure of huge claims due to accidents. Housekeeping insurance is also beneficial for domestic service workers, as it can avoid untreated disputes due to untimely dispute resolution when they are injured in an accident. Housekeeping-related insurance can promote the healthy development of the housekeeping service industry, promote the transformation of the employee system of the housekeeping service industry, and play a role in promoting economic and social harmony and stability. (Economic ** reporter Wu Yadong).