昨天，市民政局下发“北京市养老服务机构综合责任保险”相关通知，今后，本市养老院投保该险种将获政府补贴，老人在养老院如发生意外将可获赔付，如因意外伤害住院，老人每天还可获得百元住院津贴。

yesterday,Citizens political issued"Beijing endowment service comprehensive liability insurance"Related notice,In the future,The city cover this nursing home will receive government subsidies,Old people in nursing homes such as accident will be the compensation,As a result of accidental injury hospitalization,Old man may obtain one hundred yuan every day in hospital allowance.

　　据介绍，“养老服务机构综合责任险”保费标准为每床每年160元，其中政府给予80%的补贴，养老院自付20%。老人因在养老服务责任范围内发生意外导致残疾，保险公司按约定比例赔偿保险金；如意外死亡，身故保险金为每人12万元；遭意外伤害事故，意外医疗报销限额为每人每年1.5万元；致残的，残疾用具保险金为0.5万元/人/年。

According to introducing,"Endowment service general liability insurance"Premium standards for each bed 160 yuan per year,The government give 80% of the subsidies,Nursing home pays 20%.In aged services within the scope of accident result in disability,Insurance company according to the agreed proportion pay insurance gold;Such as accidental death,Die insurance for 120000 yuan per person;By accident harm accident,Accidental medical reimbursement allowance of $15000 per person per year;disabled,Deformity appliance insurance for 05000 yuan/person/year.

　　针对遭受事故导致老人身体骨折的，住院治疗可在意外医疗责任范围内给予报销，不住院的，按照骨折保险金比例表予以赔付，骨折保险金为0.5万元/人/年。因意外伤害事故住院的老人，每次事故住院津贴为100元/天/人，津贴累计最高180天。此外，因意外伤害或突发疾病产生紧急救援费用的，每次事故赔偿限额为0.2万元/人。(记者陈荞)

In view of the body fracture to the old man suffered in the accident,Hospitalization can be reimbursed within the scope of medical accident,Not in the hospital,According to the fracture shall be pay insurance gold used,Fracture insurance for 05000 yuan/person/year.Because accident harm accident the old man in the hospital,Each accident hospitalized allowance for 100 yuan/person/day,Allowance of 180 days.In addition,Because of accident or sudden illness produce cost of emergency rescue,Limit for each accident compensation is RMB 02000 / person.(Reporter Chen mechanical timepieces spurred)

　　通知还明确，在保险期限内，养老院因保险事故被老人或家属提起仲裁或者诉讼的，需由养老院支付的法律费用，保险公司每次事故赔偿限额为15万元。

Notice also clear,Inside insurance time limit,Nursing home because of insurance accident is the old man or families of arbitration or litigation,Should be paid by the nursing home's legal costs,Insurance companies limit for each accident compensation for 150000 yuan.