Notice of the Ministry of Education, the Ministry of Finance and the China Insurance Regulatory Commission on Launching School Liability Insurance to Perfect the Risk Management Mechanism of Campus Personal Injury Cases

教育部、财政部、中国保险监督管理委员会关于推行校方责任保险、完善校园伤害事故风险管理机制的通知

Promulgating Institution: Ministry of Education; Ministry of Finance; China Insurance Regulatory Commission

Document Number: Jiao Ti Yi [2008] No.2

Promulgating Date: 04/03/2008

Effective Date: 04/03/2008

颁布机关: 教育部; 财政部; 中国保险监督管理委员会

文      号: 教体艺[2008]2号

颁布时间: 04/03/2008

实施时间: 04/03/2008

The education department (education committee) of all provinces, autonomous regions and municipalities directly under the Central Government, the Education Bureau and the Finance Bureau of Xinjiang Production and Construction Corp, and all local insurance regulatory bureaus:

    各省、自治区、直辖市教育厅（教委）、财政厅（局），新疆生产建设兵团教育局、财务局，各保监局：

In order to adhere to and carry out the spirit of the “Opinion of the CPC Central Committee and the State Council on Strengthening Teenager Physical Education and Enhancing Physique of Teenagers” (Zhong Fa [2007] No.7) and the “Several Opinions of the State Council on Reform and Development of Insurance Industry” (Guo Fa [2006] No.23), establish and perfect the risk management mechanism of campus personal injury cases, it is hereby decided to launch the school liability insurance system for personal injury in nation-wide primary and secondary schools. The relevant matters are hereby notified to you as follows:

    为贯彻落实《中共中央国务院关于加强青少年体育增强青少年体质的意见》（中发〔2007〕7号）和《国务院关于保险业改革发展的若干意见》（国发〔2006〕23号）精神，建立和完善校园意外伤害事故风险管理机制，决定在全国各中小学校中推行意外伤害校方责任保险制度。现就有关事宜通知如下：

I. To adequately understand the meaning of establishing school liability insurance system for personal injury

Presently, campus personal injury cases are displaying their diversity and complexity. The risk of student injury in accident, which schools are encountering in the course of education, has exerted more and more impact on the school teaching, which makes the school safety management an arduous task. Insurance is a basic mean to conduct risk management and control in the market economy. Adequate usage of insurance tool to handle the safety liability incident occurred in schools is conducive to prevention and proper reconciliation of risk of various campus safety incident liabilities, eliminates the fear of disturbance in the rear from schools and parents, is conducive to enhancing schools in carrying out quality education, is conducive to maintaining school’s normal teaching order, is conducive to protection of a vast throng of students, avoids or mitigates financial disputes, releases the financial burden of running a school, maintains harmony and stability of campus and promotes healthy growth of teenagers.

       一、充分认识建立意外伤害校方责任保险制度的意义

    当前，校园伤害事故呈现出多样性、复杂性，学校教育中面临的学生意外伤害风险对学校教育教学的影响日趋严重，学校安全管理工作的任务十分艰巨。保险是市场经济条件下进行风险管理和控制的基本手段，充分利用保险工具处理学校发生的安全责任事故，有利于防范和妥善化解各类校园安全事故责任风险，解除学校、家长的后顾之忧，有利于推动学校实施素质教育，有利于维护学校正常教育教学秩序，有利于保障广大在校学生的权益，避免或减少经济纠纷，减轻学校办学负担，维护校园和谐稳定，促进青少年健康成长。

II. Basic principles for launching school liability insurance system

1. Insurer. All full-time ordinary primary and secondary schools (including special schools) and intermediate vocational schools run by the State or social organization shall, in principle, take out the school liability insurance policy.

2. Insurance coverage. School liability insurance shall basically cover personal injury sustained by students due to the liability of a school and the liability of financial compensation ought to be borne by the school according to laws. The “Measures on Disposal of a Student Injured in an Accident” shall be referred to for the specific issue as to classification of liabilities of accidents which shall be determined by the provinces, autonomous regions and municipalities directly under the Central Government taking account of their respective practical situation.

3. Scope of indemnity. All provinces, autonomous regions and municipalities directly under the Central Government shall refer to the items prescribed under the “Interpretation of the Supreme People’s Court on Several Issues Concerning the Application of Law in Hearing Personal Injury Cases” and incorporate their respective local practical situation in determining the scope of indemnity of school liability insurance.

4. Guarantee of Expense. The expenditure incurred by schools for paying school liability insurance at the 9-year compulsory education period shall be disbursed from the school public fund at the annual amount not exceeding RMB 5 per student. The measures concerning the expenditure incurred by schools for paying other school liability insurance shall be formulated by the education department, finance department and insurance regulatory institution of provinces, autonomous regions and municipalities directly under the Central Government based on the spirit of the “Opinion of the CPC Central Committee and the State Council on Strengthening Teenager Physical Education and Enhancing Physique of Teenagers” (Zhong Fa [2007] No.7).

5. Ceiling of liability. All local areas shall organize and consider the financial ability of schools, insurance coverage, scope of indemnity, insurance premium level and other factors, and shall incorporate the practical situation of the local economic and social development to formulate a rational ceiling of liability.

       二、推行校方责任保险制度的基本原则

    1．投保范围。由国家或社会力量举办的全日制普通中小学校（含特殊教育学校）、中等职业学校，原则上都应投保校方责任保险。

    2．责任范围。校方责任保险基本范围包括因校方责任导致学生的人身伤害，依法应由校方承担的经济赔偿责任。具体可参照《学生意外伤害事故处理办法》规定的事故责任类型，由各省、自治区、直辖市结合当地实际情况确定。

    3．赔偿范围。各省、自治区、直辖市应参照《最高人民法院关于审理人身损害赔偿案件适用法律若干问题的解释》规定的项目，结合当地实际情况确定校方责任保险赔偿范围。

    4．经费保障。九年义务教育阶段学校投保校方责任保险所需费用，由学校公用经费中支出，每年每生不超过5元。其他学校投保校方责任保险的费用，由省、自治区、直辖市教育行政、财政部门和保险监管机构，按照《中共中央国务院关于加强青少年体育增强青少年体质的意见》（中发〔2007〕7号）的精神，制定相关办法。

    5．责任限额。各地要统筹考虑学校经济负担能力、责任范围、赔偿范围、保费水平等因素，结合当地经济、社会发展实际情况科学合理制定责任限额。

III. Jointly giving impetus to the basic requirements for establishment of school liability insurance system

All provincial education departments, finance departments and insurance regulatory institutions shall be responsible for taking out a policy of school liability insurance within their respective administrative area, and shall formulate policies and measures on school liability insurance system to be implemented in their respective administrative area in compliance with the basic principles for launching school liability insurance system proposed by this Notice. An insurer shall be rationally selected for carrying out centralized insurance through tender or other ways on the basis of the features of the insurance products provided by insurance companies, their network coverage on the respective administrative area, service capacity, guarantee conditions and the financial status and economic development status of the respective local area. The insurer engaging in school liability insurance shall have the school liability insurance clauses filed to the insurance regulatory department, shall have complete branches or network, and shall have perfect service standard, solid technical strength, good risk management ability and adequate solvency.

All provincial education departments, finance departments and insurance regulatory institutions shall enhance their coordination and cooperation, establish systems for data sharing, mutual report of information and regular communication, to jointly give impetus to the school liability insurance work, cause full-time ordinary primary and secondary schools (including special schools) and intermediate vocational schools of the whole country to fully achieve comprehensive insurance as soon as possible.

The insurance regulatory departments shall encourage and guide insurance companies in scientific assessment on risk, ceaselessly perfect the insurance product system of school personal injury cases, and provide more abundant and diversified products on the basis of the need of schools. The supervision over market conduct of insurers engaging in school liability insurance business shall be reinforced. Those insurance companies which fail to comply with the law to pay indemnity shall be stiffly penalized according to law. The economic level effect of insurance shall be fully utilized for reward or penalty. The professional service provided by insurance companies and intermediary service companies shall be used to urge schools to conduct scientific assessment on the risk of campus motion safety, to perfect safety management system, to equip with safety facilities, to start student safety education and propaganda in order to promote and guarantee the establishment of the campus motion safety system to a maximum extent.

An insurance company shall design a diversified rating system and insurance coverage based on the protection and indemnity requirements of the school liability insurance or risk of the local school in order to provide rational insurance products for the schools. The risk management and control shall be strengthened. The follow-up and management focusing on risk on a school shall be provided for the whole process of before, during and after the incident. The service shall be leveled up. In conformity to the principle of “fairness, impartiality and efficiency”, the student medical and rescue green channel and school liability insurance dispute resolution mechanism should be probed and set up. The indemnity payment of school liability insurance shall be disposed of promptly so as to provide quality indemnity service for the schools.

Schools should actively develop safety education and perfect campus safety management system. Insurance companies should accomplish the risk assessment work with coordination of schools.

All relevant departments should adequately utilize various mass media and adopt various modes to actively publicize the importance of developing school liability insurance, raise the schools’ awareness on liability insurance, strengthen their sense of liability, sense of risk and sense of insurance, strike for building up good atmosphere of integration of safety education and liability insurance, and enhance schools to build up and perfect the risk management service system.

       三、共同推进校方责任保险制度建设的基本要求

    各省级教育行政、财政部门和保险监管机构负责本行政区域内校方责任保险投保工作，依据本通知提出的推行校方责任保险制度的基本原则，制订本行政区域实施校方责任保险制度的政策和办法。可根据保险公司提供的保险产品特点、本行政区域的网点覆盖情况、服务能力、保障条件和本地区的财政能力，经济发展状况，通过招标等形式合理选择承保机构实施统一投保。经营校方责任保险的保险机构，应具有经保险监管部门备案的校方责任保险条款，具有完备的分支机构或网点，具备完善的服务水平、雄厚的技术实力、良好的风险管理能力和充足的偿付能力。

    各省级教育行政、财政部门和保险监管机构要加强协调与合作，建立数据共享、信息互报和定期沟通的制度，合力推进校方责任保险工作，尽快促使全国全日制普通中小学（含特殊教育学校）和中等职业学校全面实现应保尽保。

    保险监管部门要鼓励和引导保险公司科学评估风险，不断完善校园伤害事故保险产品体系，根据校方的需求提供更加丰富和差异化的产品。要加强对经营校方责任保险业务的保险机构市场行为监管力度，依法严厉查处不依法及时理赔的保险公司。充分利用保险的经济杠杆作用奖优罚劣，利用保险公司和中介服务公司提供专业服务，督促学校科学评估校园运动安全风险、完善安全管理制度、配齐安全设施、开展学生安全教育和宣传工作，最大程度促进和保障校园运动安全体系的建设。

    保险公司应根据校方责任保险的保障及赔偿要求、当地学校风险状况，设计差异化费率体系和责任范围，为学校提供合理的保险产品；要加强风险管理和控制，提供针对校方风险的事前、事中、事后的全过程跟踪管理；要提高服务水平，本着“公平、公正、高效”的原则，探索建立学生医疗救治绿色通道、校方责任保险纠纷的协调解决等机制，及时迅速处理校方责任险理赔工作，为学校提供优质的理赔服务。

    学校要积极开展安全教育，完善校园安全管理制度，保险公司要在学校配合下做好风险评估工作。

    各有关部门要充分利用各种公众媒体，采取多种形式，主动宣传开展校方责任保险的重大意义，提升学校对责任保险的认知度，增强其责任意识、风险意识和保险意识，努力营造安全教育与责任保险相结合的良好氛围，促进学校建立与健全风险管理服务体系。

Ministry of Education,

Ministry of Finance,

China Insurance Regulatory Commission

April 3, 2008

教育部

财政部

中国保监会

二○○八年四月三日