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西湖区文新街道探索落地邻里互助专属保险_我的网站

一 |     从“人情债”到“明白账”再到“放心帮”每日商报讯 “互助员上门服务万一出了意外怎么办？”“低偿收费后，责任如何界定？”昨天，西湖区文新街道与中国人民财产保险股份有限公司杭州市西湖支公司正式签署“邻里互助”综合保险合作协议，困扰辖区邻里互助员和社区许久的“心头病”有了制度性“良方”。    Nearly half of all injuries reported from electric bikes in the last six years took place in 2022, according to a new report from the Consumer Product Safety Commission (CPSC).The CPSC estimates more than 360,000 injuries related to micromobility devices were treated in emergency rooms across the country between 2017 to 2022.According to the report, injuries rose more than 20% in 2022, compared to the year prior.There have been at least 233 deaths associated with e-bikes, e-scooters and hoverboards from 2017 through 2022, the report said. CPSC acknowledged that reporting on deaths associated with the devices is "ongoing and incomplete."This comes as sales and usage of e-bikes, e-scooters and hoverboards are on the rise, according to the market research firm Circana, the U.S. e-bike market grew 269% between 2019 and 2022, with $885.5 million in sales last year.CPSC's report also highlighted "significant" fire hazards from the devices – CPSC said it was aware of at least 19 deaths associated with micromobility device fires from 2021 through late November 2022.Last year, CPSC called on more than 2,000 manufacturers and distributors of the devices to review their product lines and ensure they comply with voluntary safety standards "to reduce the serious risk of dangerous fires with these products."CPSC also "urged" consumers to take steps to prevent fires from e-bikes, e-scooters, and hoverboards by always being present when charging the devices and only using approved battery replacements.ABC News' Meredith Deliso contributed to this report.。今年5月，文新街道先行探索“低偿邻里互助”养老模式，在德加社区尝试“物业牵头、双轨定价”做法，送餐5元一次、洗衣晾晒10元一次……明码标价的互助模式在15个社区迅速推广开来。

二 | 目前，全街道已挖掘邻里互助员320名，累计完成互助服务近千次，惠及老年群众三千余人。但随着服务的深入，新的堵点开始显现。

三 | 由于缺少明确的保险保障和法律权责划分，部分热心居民怕“好心办坏事”而不敢积极参与，社区在推动服务时也有所顾虑，成为制约模式复制推广的隐性瓶颈。对此，文新街道明确“居民自发自治、街道统筹托底”的核心原则，将“安全”作为破局的首道关口。此次签约落地的专属保险方案，正是“托底”的关键一环。据悉，文新街道专门划拨民生专项资金，为全街道在册的互助服务人员及重点老年服务对象统一投保。该定制化保险覆盖了人身意外伤害、财产损毁、第三方责任等邻里互助场景中的高频风险。

四 | “有了这份保险，我们上门服务心里踏实多了。”德加社区互助员裴浙江在签约现场感慨道，“以前总担心万一出了事扯不清责任，现在既有保险兜底，又有公约免责，我们敢放开手脚去帮老邻居了。”值得一提的是，此次签约不仅仅是购买一份保险产品，更是政企协同赋能基层治理的一次深度探索。根据共建计划，中国人保财险西湖支公司的专业力量将纳入社区助老服务梯队，配合街道完善重点老年人信息档案，同时，为文新社区开通绿色通道，提供上门协赔、快速理赔等一站式服务，打通助老服务的“最后一公里”。除了保险保障，双方还将推进服务阵地共建，依托社区居家养老服务中心，常态化开展反诈宣传、金融安全科普、长护险及“西湖益联保”等普惠保险的咨询办理。“低偿互助不是政府大包大揽，而是搭建一个让邻里善意可持续运转的平台。”文新街道相关负责人表示，街道将继续扮演好“统筹者、孵化者、赋能者”的角色，织密邻里互助网络，让熟人社会的温情在现代社区持续生长。

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