每日一詞∣商業(yè)養(yǎng)老保險 commercial endowment insurance

12月30日召開的國務(wù)院常務(wù)會議提出，要積極發(fā)展社會服務(wù)領(lǐng)域商業(yè)保險，為更有力應(yīng)對老齡化提供支撐，滿足群眾其他保險保障需求。會議提出，加快發(fā)展商業(yè)養(yǎng)老保險，優(yōu)化養(yǎng)老保險結(jié)構(gòu)。

China will actively promote the development of commercial insurance in social services to provide stronger support for the aging population and cater to public demands for other types of insurances, the State Council's executive meeting decided on Monday. It was agreed at the meeting that commercial endowment insurance will be developed at a faster pace and the overall pension insurance structure will be refined.

2018年3月8日，江陰市周莊鎮(zhèn)山泉村村民在社區(qū)綜合服務(wù)中心內(nèi)查詢養(yǎng)老保險信息。(圖片來源：新華社)

【知識點】

2019年12月30日召開的國務(wù)院常務(wù)會議提出，加快發(fā)展商業(yè)養(yǎng)老保險，優(yōu)化養(yǎng)老保險結(jié)構(gòu)。借鑒國際經(jīng)驗，支持開發(fā)多樣化的養(yǎng)老年金保險產(chǎn)品和適應(yīng)60歲以上老人需求的醫(yī)療、意外傷害等保險產(chǎn)品。加快發(fā)展商業(yè)長期護(hù)理保險。

會議提出，大力提升商業(yè)保險產(chǎn)品和服務(wù)質(zhì)量。鼓勵保險機(jī)構(gòu)適應(yīng)消費者需求，提供涵蓋醫(yī)療、照護(hù)、生育等多領(lǐng)域的綜合性保險產(chǎn)品，逐步將醫(yī)療新技術(shù)、新產(chǎn)品等納入健康保險。發(fā)展面向低收入人群和新業(yè)態(tài)從業(yè)人員的保險產(chǎn)品。

【重要講話】

按照兜底線、織密網(wǎng)、建機(jī)制的要求，全面建成覆蓋全民、城鄉(xiāng)統(tǒng)籌、權(quán)責(zé)清晰、保障適度、可持續(xù)的多層次社會保障體系。全面實施全民參保計劃。

We will act on the policy requirements to help those most in need, to build a tightly woven safety net, and to build the necessary institutions, as we work to develop a sustainable multi-tiered social security system that covers the entire population in both urban and rural areas, with clearly defined rights and responsibilities, and support that hits the right level. We will work to see that everyone has access to social security.

——2017年10月18日，習(xí)近平在中國共產(chǎn)黨第十九次全國代表大會上的報告

【相關(guān)詞匯】

社區(qū)養(yǎng)老

community-based elderly care

社會保障體系

social security system

基本養(yǎng)老保險制度

basic pension schemes