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校企合作、工学交替这种实践性学习造成的实习伤害事故时有发生,由于现有法制不健全,受伤害学生的权益很难得到有效保障。“统保示范项目”是根据职业教育特点为保障学生实习安全量身定做的项目,不是单纯的商业保险,而是具有“市场运作、政策引导、政府推动”的公益性保险产品。它对保险责任范围、投保主体和保障对象、投保方式、统保费率和保险机构做了统一规范。
School-enterprise cooperation and alternation of work-study practice have caused accidental injury accidents occasionally. Due to the existing legal system is not perfect, the rights and interests of injured students can hardly be effectively guaranteed. “Unified Insurance Demonstration Project ” is based on the characteristics of vocational education to protect the safety of student internships tailored to the project, not a simple commercial insurance, but with “market operation, policy guidance, government to promote ” public welfare insurance products . It made a unified norms on the scope of insurance, the subjects of insurance and the objects of protection, the methods of insurance, the rates of unified insurance and the insurance institutions.