黃柏霖:公益微型保險挹助急難救助 擴大社會安全網
2021-12-24 16:58 記者許高祥/高雄報導
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▲公聽會由黃柏霖、鄭安秝議員共同主持。
於議會總質詢時,即建議市府參考桃園並協助慈善團體推廣弱勢民眾微型保險的黃柏霖議員表示,公益微型保險將自111年開始,所需保費由福安王爺慈善基金會協助媒合處理,保險期間1年,預計投保對象約2.5萬人。市府是否投入公務預算延續微型保險推動?黃議員呼籲公部門多加思考,落實對社會弱勢族群的照顧。
鄭安秝議員表示,從城中城大樓火災事件中可見,獨居、弱勢的65歲以上長輩幾乎沒有購買相關保險,逝世後也無後續的賠償,若市府能積極投入推動公益微型保險,對於社會弱勢或是未列入中低收的族群等,都能受到照顧。她期盼公私合作,盡早普及公益微型保險。而市府推廣養殖漁業天然災害保險,鄭議員希望藉由流程的簡化,讓更多漁民願意投保。另外,保險的註記問題,恐造成弱勢民眾的抗懼,希望市府更有同理心宣導,並告知民眾微型保險的好處,減少恐慌。
屏東大學教育行政研究所李銘義副教授點出,公益微型保險在於經費來源與行政責任的分配,建議市府應將公益保險納入常規預算中,讓社會局更容易執行,同時應積極與民間團體與保險公司合作,爭取相關資源。在行政責任的分配上,應建立執行依據細則,建構完整的作業標準,讓相關局處與承保的保險公司更好分工。
嘉南藥理大學社會工作系余元傑教授建議,在公益微型保險的設定上,各保險公司的規畫皆不同,市府應主動與多個保險公司接洽,以詳盡規劃保線的細節與kpi的制定,制定最妥善且具保障的的保險。同時期待市府相關單位加強橫向聯繫的加強與分工,積極推動公益微型保險,讓弱勢民眾生活更有保障、更安心。
樹德科技大學金融管理系吳建德副教授建議,市府在推廣養殖漁業天然災害保險中應設置排他條款或排富的資格限制,才能真正幫助到有需求的漁民;並呼籲市府單位加強逐戶拜訪與溝通,讓有需求的民眾更了解微型保險;建議市府應透過法制,明定保險預算來源並強化微型保險的建置,否則僅靠民間資源或募款來支應保費,非長久之計。
高雄大學財經法律系張永明副教授表示,公益微型保險的定位、推動及經費支出從何來?建議制訂高雄市公益微型保險的自治條例,藉由法制化,讓執行更有依據且順暢,而保險的註記問題也能透過立法有更完善的說明,降低弱勢民眾的疑慮。有關公益微型保險的執行程序,建議市府可參考學生團保的成熟經驗,讓整體程序更具效率。
高雄餐旅大學航空暨運輸管理系陳福川助理教授建議,公益微型保險應導入永續發展目標SDGs概念,公部門應做好資源的整合,並強化法治的重要性,將保險業務交由專業保險公司整合與執行,將資源放在刀口上。
最後,議員黃柏霖呼籲,市府加強公益微型保險的宣導,以協助有需求的中低收入戶、身心障礙者等,主動的幫助與告知投保狀況,必能讓市民感受到溫暖。針對未來公益微型保險推動的持續性,市府也應主動出擊,多與宗教團體、廟宇及慈善單位聯絡,讓更多團體加入這項公益當中,形成善的循環,拉弱勢民眾一把的同時,也能減輕市府的社福負擔。
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