Differentiated approval and filing

What will be added to PICC auto insurance in 2022?

1. Taking "protecting consumer rights and interests" as the main goal, specifically including: establishment of market-oriented terms and rate formation mechanism, optimization of guarantee responsibilities, rich products and services, reasonable additional fees, sound market system, and market competition Orderly, improved operating efficiency, high-quality development of auto insurance, etc. In the short term, "price reduction, insurance increase, and quality improvement" will be taken as phased goals;

2. Improve the level of compulsory traffic insurance protection, including: increasing the liability limit of compulsory traffic insurance and optimizing the floating coefficient of compulsory traffic insurance road traffic accident rates;

3. Expand and optimize commercial auto insurance protection services, including: expanding the scope of commercial auto insurance coverage, deleting exemption clauses that may easily lead to claims disputes in practice, increasing commercial auto insurance liability limits, and supporting the enrichment of commercial auto insurance products;

4. Improve the market-oriented formation mechanism for commercial auto insurance clauses and rates, including: improving the industry’s pure risk premium calculation mechanism, reasonably lowering the surcharge rate, gradually liberalizing the floating range of independent pricing coefficients, and optimizing the no-compensation preferential treatment. Coefficient, scientifically set the upper limit of handling fee ratio.

5. Reform the access and management methods of auto insurance products, including: releasing new unified compulsory traffic insurance products, releasing new commercial auto insurance demonstration products, and changing the access method for commercial auto insurance demonstration products from the approval system to Registration system, support small and medium-sized property insurance companies to prioritize the development of differentiated innovative products;

6. Promote the reform of supporting infrastructure, including: comprehensively implementing the real-name payment system for auto insurance, actively promoting the electronic policy system, and strengthening new technologies Research and application;

7. Comprehensively strengthen and improve auto insurance supervision, including: improving rate review and product correction mechanisms, improving the effectiveness of reserve supervision, strengthening rigid constraints on solvency supervision, strengthening intermediary supervision, and preventing Monopolistic behavior and unfair competition;

8. Clarify the division of key tasks and responsibilities, including: regulatory authorities must play a coordinating and promoting role, property and casualty insurance companies must fulfill their responsibilities as market entities, and relevant units must provide supporting technical support. ;

9. Strengthen the implementation of guarantees, including: strengthening organizational leadership, timely follow-up and supervision, and good publicity and guidance.

2021 version of new car insurance regulations?

New Auto Insurance Regulations in 2021

For specific provisions, you can click on the "Guiding Opinions on Implementing the Comprehensive Reform of Auto Insurance" (hereinafter referred to as the "Opinions") to read. The following is the introduction of auto insurance A brief summary of the new regulations:

1. The main goal is to protect the rights and interests of consumers, including: the establishment of a market-oriented clause and rate formation mechanism, optimization of guarantee responsibilities, rich products and services, reasonable additional fees, and a market system Improvement, orderly market competition, improved operating efficiency, high-quality development of auto insurance, etc. In the short term, price reduction, insurance increase, and quality improvement will be taken as phased goals;

2. Improve the level of protection, including: increasing the liability limit of compulsory traffic insurance and optimizing the floating coefficient of compulsory traffic insurance road traffic accident rates;

3. Expand and optimize auto insurance protection services, including: expanding the scope of commercial auto insurance coverage, deleting exemption clauses that easily lead to claims disputes in practice, increasing the liability limit of commercial auto insurance, and supporting the enrichment of commercial auto insurance products;

4. Improve the market-oriented formation mechanism of commercial auto insurance clauses and premiums, including: improving the industry's pure risk premium calculation mechanism, reasonably lowering the surcharge rate, gradually liberalizing the floating range of independent pricing coefficients, optimizing the no-compensation preferential treatment coefficient, and scientifically designing Set an upper limit on the handling fee ratio.

5. Reform the access and management methods of auto insurance products, including: releasing new unified compulsory traffic insurance products, releasing new commercial auto insurance demonstration products, and changing the access method for commercial auto insurance demonstration products from the approval system to Registration system, support small and medium-sized property insurance companies to prioritize the development of differentiated innovative products;

6. Promote the reform of supporting infrastructure, including: comprehensively implementing the real-name payment system for auto insurance, actively promoting the electronic policy system, and strengthening new technologies Research and application;

7. Comprehensively strengthen and improve auto insurance supervision, including: improving rate review and product correction mechanisms, improving the effectiveness of reserve supervision, strengthening rigid constraints on solvency supervision, strengthening intermediary supervision, and preventing Monopolistic behavior and unfair competition;

8. Clarify the division of key tasks and responsibilities, including: regulatory authorities must play a coordinating and promoting role, property and casualty insurance companies must fulfill their responsibilities as market entities, and relevant units must provide supporting technical support. ;

9. Strengthen the implementation of guarantees, specifically including: strengthening organizational leadership, timely follow-up and supervision, and good publicity and guidance.

A careful analysis of this "Opinion" shows that there are many changes to the car insurance reform rules for consumers. The specific changes include the following:

1. Adjustment of car insurance limits

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①Adjustment of compulsory traffic insurance liability limit;

Before adjustment of category items and after adjustment

Total liability limit Death and disability compensation limit 110,000 180,000

Medical expense compensation limit 10000 18000

Property loss compensation limit 2000 2000

No liability compensation limit Death and disability compensation limit 11000 18000

Medical expense compensation limit 1000 1800

The property damage compensation limit is 100 100

The adjustment of the compulsory traffic insurance amount will play a greater role in larger accidents. If the accident is the fault of the car and the people in the car are also injured or killed , the increased compensation limit of 70,000 can alleviate a lot of burdens.

② Adjustment of liability limit levels.

The original optional limit range of the three-person insurance was 5-5 million, but now it has been adjusted to 10-10 million. You are no longer afraid of luxury cars on the road! Curious students may ask: How much does the three of 10 million cost? It is understood that the major insurance companies have not yet opened such a high limit range. The highest limit is only 3 million yuan for more than 800 yuan, and it is estimated that the fee for a 10 million limit is over 1,000 yuan.

2. Commercial auto insurance liability is more comprehensive

① If cancelled, the original owner will be responsible for the claims for theft and rescue;

② The liability for 11 additional insurances will be borne by the car damage insurance bear.

As for car damage insurance, according to normal understanding, if the vehicle is damaged in any way, you can get compensation for repair costs. However, in the original car damage insurance, there was no compensation for scratched paint or broken glass. , No compensation will be paid for spontaneous combustion, and the name has nothing to do with car damage insurance. It is like being an outpatient doctor but only looking at colds but not fevers.

After the reform, this doctor not only treats colds and fevers, but also treats sore throats and dizziness, reducing everyone's burden and trouble.

The most important thing is that the "Opinions" guide the expansion of car damage insurance liability on the premise that there is basically no increase in consumer premium expenditures! Wuhu~~

3. Reasonably reduce the surcharge rate

Generally speaking, when purchasing car insurance from an insurance company, you will be charged a handling fee for various reasons. Although this Fees are regulated, but the amounts are still substantial and the regulation is not strict enough. The upper limit of the additional expense rate was lowered from the original 35% to 25%, and the expected loss ratio was increased from 65% to 75%.

In addition to adjusting the upper limit, it is also important to strengthen supervision. Before the reform, some people in the industry said that although the upper limit was 35, the actual amount could exceed 40.

Reform measures such as increasing car insurance liability and lowering the upper limit of surcharges have led to losses in the profits of insurance companies. According to feedback from car owners, the cost of insurance for most people is indeed lower, but The discounts, subsidies, gifts, etc. usually provided by insurance companies have been greatly reduced. After the reform, have consumers really saved more money? It's worth doing the math.

What are the differentiated subsidy standards for rural teachers in Dalian?

Dalian City’s Implementation Measures for the Differentiated Subsidy Policy for Rural Teachers

According to the "Implementation Opinions on the Implementation of the Differentiated Subsidy Policy for Rural Teachers in Our Province" (Liaojiao [2019] No. 51 ) and the Municipal Party Committee and Municipal Government's "Implementation Opinions on Comprehensively Deepening the Reform of Teacher Team Construction in the New Era" (Da Wei Fa [2019] No. 21) require that in order to implement the differentiated subsidy policy for rural teachers and effectively improve the working and living conditions of rural teachers, we will continue to In order to improve the attractiveness of rural teacher positions and combine the actual situation of the rural teacher team in our city, these implementation measures are specially formulated.

1. Fully understand the importance of implementing the differentiated subsidy policy for rural teachers

In recent years, our city has provided assistance through counterpart assistance, free teaching support for normal college students, recruitment of rural special post teachers, A series of measures, such as the training of teachers in rural primary schools, have strengthened the construction of rural teachers. The rural teachers have been effectively supplemented, the age structure has been continuously optimized, and the academic level has been significantly improved. However, for a long time, due to the uneven economic and social development of our city, the rural teaching staff has been relatively weak compared with the main urban areas. Teachers have heavy workload and difficult conditions. The implementation of the differentiated subsidy policy for rural teachers is to implement the important arrangements of the Party Central Committee, the State Council, the Provincial Party Committee, and the Provincial Government. It reflects the great importance attached by the Municipal Party Committee and the Municipal Government to the construction of rural teachers. It is important for solving the practical difficulties in the lives of rural teachers and improving rural The attractiveness of teaching positions is of great significance to solve the problem of "unable to recruit and retain" rural teachers, further strengthen the construction of the rural teacher team in our city, and promote the balanced development of compulsory education. Relevant county (city, district) people's governments must effectively raise awareness, education, finance and other departments must strengthen coordination and cooperation, strive to implement differentiated subsidy policies for rural teachers, encourage and attract outstanding talents to teach in difficult and remote areas for a long time, and teach for life , Promote the balanced development of compulsory education.

2. Disbursement Principles

(1) Insist on combining the differentiated subsidy for rural teachers with the hardship and remoteness of the school, implement differentiated subsidy standards based on the actual situation of the school, and insist on providing rural and remote schools with and teaching point tilt.

(2) Adhere to the principle of "compensation based on position, enjoy while on the job, and cancel after leaving the job" and implement dynamic management.

3. Subsidy scope and objects

(1) Subsidy scope.

The number of on-the-job teachers in rural primary and secondary schools in our city does not include teachers from schools in counties. The specific distribution scope is determined by the county-level people's government.

(2) Subsidy objects.

1. Rural primary and secondary school teachers who are on-the-job in the schools included in the subsidy scope and whose annual assessment level is above the qualified level are eligible for the subsidy;

2. The subsidy is approved by the education administrative department Teachers who have worked continuously for one semester or more in exchange or volunteer teaching in the scope of the school, as well as teachers who are included in the scope of the subsidy and go out for study and training on official business (within 6 months) are eligible for the subsidy;

3. Rural areas Teachers who take part in academic education out of work, are seconded to urban schools, or seconded to other schools that are not within the scope of subsidies, or seconded to non-education system units, are not eligible for subsidies;

4. Teachers who are transferred from rural school posts or For retired teachers, the differentiated subsidy for rural teachers will be suspended from the next month after they are transferred or retire;

5. Other teachers who are on staff and are not on the job are not eligible for the subsidy;

6. Teachers who are punished by party and government disciplines due to misconduct in teachers' ethics and other behaviors will not enjoy subsidies during the period of punishment.

IV. Subsidy standards

Based on the remoteness of the school location and the hardship of teachers’ working and living conditions, in principle, the per capita annual subsidy for those who meet the conditions in the county shall not be less than 3,600 yuan. . The subsidy is not included in the calculation basis of five social insurances, one fund and retirement benefits. Teachers enjoy it while they are on duty and will be automatically canceled after they leave their posts.

The relevant county (city, district) education administrative departments shall determine no less than three levels of subsidy standards based on the remoteness of the school location and the working and living conditions of teachers. The specific distribution standards shall be determined by the county-level people's government in accordance with the above principles.

5. Funding sources and implementation time

The county-level finance will bear the differentiated subsidy funds for rural teachers and will be implemented from July 1, 2019.

6. Distribution Methods

(1) Improve the performance appraisal system and strengthen teacher management. Relevant county (city, district) schools should establish or improve rural school teachers’ attendance management system, strengthen teachers’ daily management, use assessment results as an important basis for rural teachers’ differentiated subsidy issuance standards, and give full play to the impact of rural teachers’ differentiated subsidy on rural schools. The promotion effect of education and teaching work. Establish an information database for differential subsidy applications for rural teachers based on information such as ID number and work unit, and implement real-name management.

(2) Establish a publicity system and accept social supervision. Relevant counties (cities, districts) should arrange for local schools to determine the list of teachers for subsidy disbursement in accordance with policies. The distribution of teachers, number of teachers, grade standards and distribution will be announced in the school every month. The publicity will be no less than seven working days. The reporting telephone number or email address must be clearly stated, and the teacher shall sign for confirmation after public announcement. Adhere to sunshine operation, widely accept social supervision, and ensure that the subsidy distribution work is fair, open and impartial.

(3) Establish a responsibility supervision mechanism and strengthen responsibility supervision. After the relevant county (city, district) schools announce that they have no objections, they will report to the local education administrative department for review and filing every month. After the review is correct, they will apply for funds from the relevant departments. Subsidies are distributed once every year in December (the disbursement time in 2019 is in accordance with the provincial government’s assessment time requirements and will be completed before the end of November 2019). The application list for each school's subsidy payment must be stamped with the official seal of the unit and signed by the legal person, and the division of responsibilities must be clearly defined. The education administrative departments and schools of each county (city, district) must keep records of the subsidy disbursement process and accept supervision and inspection by relevant departments.

(4) Establish a real-name system for subsidy disbursement to improve the efficiency of subsidy disbursement. Relevant county (city, district) education administrative departments and schools must use special funds for subsidy funds, reduce intermediate links, improve distribution efficiency, and directly distribute them to teachers’ personal salary accounts. They must implement real-name management to ensure that subsidies are paid out in full and on time.

7. Work Requirements

(1) Strengthen organizational leadership. All relevant counties (cities, districts) must attach great importance to optimizing the structure of the teacher team, strengthening the construction of the rural teacher team, and promoting the balanced development of compulsory education as their own responsibility, effectively strengthen organizational leadership, and conscientiously implement the differentiated subsidy policy for rural teachers. All localities shall not reduce the legal wages and benefits of rural teachers due to the implementation of differentiated subsidy policies for rural teachers.

(2) Strengthen fund management. The relevant county (city, district) education administrative departments must strengthen fund management, dynamically monitor the number of subsidy numbers, subsidy standards and distribution, etc., and timely handle the increase or decrease procedures for the entry and exit of teachers. It is necessary to implement special funds for subsidy funds to improve the efficiency of fund use.

(3) Implement dynamic monitoring of teachers. Relevant county (city, district) education and other departments should dynamically monitor the scope, number of subsidies, subsidy standards and distribution of differential subsidies for rural teachers, and promptly study and properly handle new situations and situations that arise in the differential subsidies for rural teachers. new issues to ensure the smooth and orderly implementation of this work.

(4) Establish an accountability system. Schools must strictly implement relevant policies and effectively assume review responsibilities. All relevant county (city, district) education administrative departments must establish a sound and effective supervision and inspection mechanism to supervise the implementation throughout the process, focusing on subsidy objects, number of people, grade standards, etc. Is it accurate? The differentiated subsidy for rural teachers implements the responsibility system of the person in charge of the reporting school and the person in charge of the school. Schools and individuals who provide false data, falsely claim, extort, withhold, squeeze and misappropriate financial funds will be held accountable by relevant departments in accordance with laws and regulations.

(5) Strengthen supervision and assessment. It is necessary to strengthen responsibility assessment, improve the management system, and incorporate the implementation of the differentiated subsidy payment policy for rural teachers into the performance assessment and education supervision and evaluation systems of people's governments at all levels.

(6) Pay attention to comprehensive policy implementation.

Relevant counties (cities, districts) must organically combine the differentiated subsidy policy for rural teachers with the rural teacher support plan, rotation exchanges of principals and teachers within the region, the special post plan, and the construction of rural school teacher turnover housing, and take comprehensive measures to effectively Improve the working and living conditions of rural teachers and continuously increase the attractiveness of rural teaching positions. It is necessary to strengthen policy propaganda and public opinion guidance, and strive to create a good atmosphere in which the whole society pays attention to rural education and cares for rural teachers.