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日前,福建省人民保险公司对震惊中外的千岛湖“海瑞”号游船事件作出保险赔付,其中,对遇难的24名台湾游客,每人给付12.5万元保险金和1.3万元的附加费用,对2名福建省导游和6名船员每人给付5000元保险金.此外,由于24名台胞均在台湾投保了旅行平安险和人寿保险,死亡者亲属最高可获700万元新台币(约合人民币230万元)的保险赔付金.在同一事件中遇难的人士,保险金竟如此悬殊,令人不禁扼腕兴叹.根据保险原理,人身保险是由投保人交纳少量保险费,以换取高额保障的一种经济补偿行为.人身伤亡保险金给付的多少,是与投保额的高低成正比例的.投保人所交保费越多,伤亡保险金的给付就越
Recently, the People’s Insurance Company of Fujian Province has paid insurance coverage for the cruise ship “Hai Rui” that shocked China and other countries at the Thousand Island Lake. Among them, 24 Taiwanese tourists who lost their lives paid 12.5 million yuan of insurance premiums and an additional fee of 13,000 yuan for each of them, 2 Fujian Province tour guides and 6 crew members to pay 5,000 yuan each insurance.In addition, as 24 Taiwan compatriots are in Taiwan insured travel insurance and life insurance, relatives of the deceased up to 7 million NT (about A total of 2.3 million yuan) insurance payments.In the same incident victims, insurance premiums so disputed, can not help but sigh.According to the principle of insurance, life insurance is paid by the insured person a small amount of insurance premiums, in exchange for high Protection of an economic compensation behavior.Physical injury insurance payment how much, is proportional to the amount of the insured amount.The insured person to pay the premium, the more the payment of casualty insurance premium