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支付宝“扶老人险”付3元可赔诉讼费

来源: 南方日报网络版     时间: 2018年12月17日 13:14:45
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(  “扶)(老)(人)(被)(讹)(”事)(件)(屡)(屡)(发)(生)(,“扶)(不)(扶)(”引)(发)(争)(议)(。近)(日)(,支)(付)(宝)(推)(出)(“扶)(老)(人)(险)(”,用)(户)(只)(需)(支)(付)(3元)(,在)(一)(年)(期)(间)(内)(因)(“扶)(老)(人)(”而)(对)(簿)(公)(堂)(最)(高)(可)(获)(赔)(2万)(元)(诉)(讼)(费)(。该)(保)(险)(推)(出)(后)(,就)(有)(2.6万)(余)(人)(投)(保)(。
  《法)(制)(晚)(报)(》微)(调)(查)(显)(示)(,六)(成)(网)(友)(因)(为)(担)(心)(此)(类)(事)(件)(而)(产)(生)(纠)(纷)(,认)(为)(有)(必)(要)(买)(这)(样)(的)(保)(险)(;同)(时)(,四)(成)(多)(网)(友)(认)(为)(“扶)(老)(人)(险)(”是)(商)(业)(炒)(作)(,拿)(“扶)(老)(人)(”做)(噱)(头)(,更)(不)(能)(把)(道)(德)(风)(险)(拿)(金)(钱)(来)(弥)(补)(。专)(家)(认)(为)(,若)(想)(要)(把)(摔)(倒)(的)(社)(会)(公)(德)(“扶)(”起)(来)(,除)(了)(健)(全)(对)(施)(助)(者)(的)(保)(护)(机)(制)(,还)(要)(加)(大)(对)(“讹)(人)(”等)(行)(为)(的)(道)(德)(谴)(责)(和)(法)(律)(打)(击)(力)(度)(。
  如)(何)(保)(“扶)(老)(人)(险)(”3元)(保)(2万)(元)(诉)(讼)(费)(
  近)(日)(,支)(付)(宝)(在)(“我)(的)(保)(障)(”中)(悄)(悄)(新)(增)(了)(若)(干)(险)(种)(,其)(中)(包)(括)(一)(项)(“扶)(老)(人)(险)(”。支)(付)(金)(额)(为)(3元)(,该)(险)(种)(的)(介)(绍)(显)(示)(:“保)(障)(因)(老)(人)(摔)(伤)(撞)(伤)(等)(意)(外)(,被)(保)(险)(人)(提)(供)(帮)(助)(后)(导)(致)(被)(误)(认)(为)(是)(肇)(事)(者)(,而)(需)(要)(通)(过)(法)(律)(途)(径)(来)(解)(决)(的)(法)(律)(诉)(讼)(费)(用)(,赔)(偿)(限)(额)(2万)(元)(。保)(期)(一)(年)(,并)(赠)(送)(全)(年)(法)(律)(咨)(询)(服)(务)(。”
  目)(前)(该)(险)(种)(支)(持)(北)(京)(、上)(海)(、广)(东)(、浙)(江)(、四)(川)(、河)(南)(、天)(津)(等)(省)(市)(的)(用)(户)(购)(买)(。被)(保)(险)(人)(年)(龄)(为)(满)(30天)(-75周)(岁)(。产)(品)(页)(介)(绍)(显)(示)(该)(险)(是)(由)(华)(安)(财)(产)(保)(险)(股)(份)(有)(限)(公)(司)(承)(保)(的)(。
  至)(于)(该)(险)(是)(“谁)(的)(主)(意)(”,支)(付)(宝)(方)(面)(并)(未)(透)(露)(。但)(支)(付)(宝)(母)(公)(司)(蚂)(蚁)(金)(服)(的)(工)(作)(人)(员)(在)(接)(受)(媒)(体)(采)(访)(时)(表)(示)(,他)(们)(推)(出)(“扶)(老)(人)(险)(”,是)(希)(望)(能)(通)(过)(这)(项)(保)(险)(来)(弘)(扬)(社)(会)(“正)(能)(量)(”,让)(人)(们)(敢)(于)(“扶)(老)(人)(”。
  只)(赔)(诉)(讼)(费)(不)(管)(赔)(偿)(金)(
  值)(得)(注)(意)(的)(是)(,该)(险)(赔)(付)(的)(是)(诉)(讼)(费)(用)(。
  蚂)(蚁)(金)(服)(工)(作)(人)(员)(表)(示)(,投)(保)(后)(,当)(“扶)(老)(人)(”还)(是)(“撞)(老)(人)(”的)(问)(题)(被)(诉)(诸)(法)(庭)(,投)(保)(人)(最)(高)(可)(获)(得)(2万)(元)(的)(法)(律)(诉)(讼)(费)(用)(赔)(偿)(,可)(案)(件)(一)(旦)(败)(诉)(,需)(要)(支)(付)(给)(老)(人)(的)(赔)(偿)(金)(不)(在)(保)(险)(范)(围)(里)(。
  而)(之)(所)(以)(提)(供)(诉)(讼)(费)(用)(赔)(偿)(和)(法)(律)(咨)(询)(服)(务)(,是)(因)(为)(往)(往)(在)(遇)(到)(类)(似)(问)(题)(时)(,很)(多)(人)(法)(律)(知)(识)(匮)(乏)(,不)(知)(道)(该)(如)(何)(保)(障)(自)(己)(的)(权)(益)(。此)(外)(,一)(些)(人)(也)(担)(心)(打)(官)(司)(可)(能)(产)(生)(的)(诉)(讼)(费)(用)(。
  蚂)(蚁)(金)(服)(工)(作)(人)(员)(说)(,如)(果)(投)(保)(人)(真)(的)(遇)(到)(了)(“被)(讹)(”或)(“碰)(瓷)(”的)(状)(况)(,可)(以)(向)(保)(险)(公)(司)(提)(供)(的)(律)(所)(咨)(询)(,寻)(求)(保)(障)(自)(身)(合)(法)(合)(理)(权)(益)(的)(方)(式)(。
  而)(如)(果)(不)(是)(“被)(讹)(”,而)(是)(真)(“撞)(人)(”了)(,蚂)(蚁)(金)(服)(工)(作)(人)(员)(表)(示)(,依)(然)(会)(赔)(付)(诉)(讼)(费)(用)(,虽)(然)(不)(能)(排)(除)(有)(的)(人)(撞)(人)(了)(仍)(然)(恶)(意)(要)(求)(理)(赔)(,但)(这)(项)(保)(险)(只)(是)(赔)(付)(诉)(讼)(费)(。
  怎)(么)(看)(近)(6成)(网)(友)(认)(为)(“有)(必)(要)(”
  就)(是)(这)(样)(一)(份)(“扶)(老)(人)(险)(”,推)(出)(几)(天)(便)(有)(超)(过)(2.6万)(人)(投)(保)(。在)(社)(交)(媒)(体)(里)(,网)(友)(热)(议)(不)(断)(。
  有)(网)(友)(认)(为)(,“为)(扶)(老)(人)(还)(专)(门)(出)(了)(个)(保)(险)(,感)(觉)(无)(形)(之)(中)(就)(是)(给)(摔)(倒)(的)(老)(人)(扣)(了)(讹)(人)(的)(帽)(子)(。”也)(有)(网)(友)(认)(为)(,虽)(然)(这)(种)(方)(式)(有)(点)(类)(似)(于)(之)(前)(互)(联)(网)(推)(出)(的)(“奇)(葩)(险)(”,但)(具)(有)(一)(定)(的)(意)(义)(,年)(轻)(网)(友)(“小)(石)(”就)(对)(于)(“扶)(老)(人)(险)(”十)(分)(认)(可)(。更)(有)(网)(友)(戏)(称)(:“扶)(老)(人)(真)(怕)(还)(是)(假)(怕)(,3块)(钱)(拉)(出)(来)(遛)(遛)(。”
  本)(报)(昨)(日)(发)(起)(的)(微)(博)(调)(查)(显)(示)(,在)(得)(知)(该)(保)(险)(后)(,有)(近)(六)(成)(网)(友)(已)(购)(买)(或)(准)(备)(购)(买)(。谈)(到)(该)(保)(险)(是)(否)(违)(规)(时)(,过)(半)(网)(友)(认)(为)(“打)(擦)(边)(球)(”。至)(于)(如)(何)(看)(待)(这)(份)(保)(险)(,四)(成)(人)(认)(为)(“扶)(老)(人)(险)(”是)(商)(业)(炒)(作)(,拿)(“扶)(老)(人)(”做)(噱)(头)(;而)(有)(近)(六)(成)(网)(友)(认)(为)(“买)(这)(份)(保)(险)(很)(有)(必)(要)(”。当)(然)(,四)(成)(人)(表)(示)(不)(能)(把)(道)(德)(风)(险)(拿)(金)(钱)(来)(弥)(补)(。
  评)(一)(评)(“扶)(老)(人)(险)(”噱)(头)(大)(于)(实)(际)(意)(义)(
  某)(寿)(险)(公)(司)(负)(责)(人)(表)(示)(,“扶)(老)(人)(险)(”保)(险)(属)(于)(与)(互)(联)(网)(结)(合)(的)(创)(新)(产)(品)(,呈)(现)(一)(定)(“娱)(乐)(化)(”特)(征)(。保)(险)(公)(司)(推)(出)(这)(些)(保)(险)(产)(品)(,主)(要)(目)(的)(是)(营)(销)(,在)(短)(期)(内)(迅)(速)(提)(升)(产)(品)(知)(名)(度)(。这)(类)(保)(险)(不)(会)(成)(为)(保)(险)(公)(司)(的)(主)(流)(产)(品)(,噱)(头)(大)(于)(实)(际)(意)(义)(。对)(消)(费)(者)(来)(说)(,若)(真)(想)(从)(中)(获)(益)(,一)(定)(要)(谨)(慎)(选)(择)(。
  “其)(实)(,我)(们)(大)(可)(不)(必)(从)(道)(德)(角)(度)(抨)(击)(这)(项)(商)(业)(策)(略)(。尽)(管)(通)(过)(社)(会)(保)(障)(的)(商)(业)(化)(运)(作)(来)(反)(推)(实)(现)(道)(德)(义)(务)(,多)(少)(让)(人)(有)(一)(种)(道)(德)(滑)(坡)(效)(应)(的)(担)(心)(,但)(从)(效)(果)(来)(看)(,这)(或)(许)(有)(助)(于)(提)(高)(人)(们)(大)(胆)(扶)(老)(人)(的)(几)(率)(。”该)(负)(责)(人)(认)(为)(,该)(保)(险)(对)(于)(企)(业)(来)(说)(,颇)(有)(经)(济)(效)(益)(和)(社)(会)(效)(益)(兼)(得)(之)(意)(。
  健)(全)(施)(助)(者)(保)(护)(机)(制)(加)(大)(“讹)(人)(”法)(律)(打)(击)(力)(度)(
  北)(京)(工)(商)(大)(学)(保)(险)(系)(主)(任)(王)(绪)(谨)(在)(接)(受)(媒)(体)(采)(访)(时)(认)(为)(,保)(险)(的)(本)(质)(就)(是)(保)(障)(人)(们)(生)(活)(中)(的)(各)(类)(需)(求)(,因)(为)(消)(费)(者)(有)(被)(讹)(的)(风)(险)(存)(在)(,所)(以)(“扶)(老)(人)(险)(”希)(望)(能)(够)(弘)(扬)(社)(会)(中)(的)(正)(能)(量)(,守)(护)(大)(家)(心)(中)(的)(善)(意)(。但)(在)(一)(定)(程)(度)(上)(确)(实)(是)(对)(老)(年)(人)(不)(太)(公)(平)(,这)(一)(棒)(子)(也)(冤)(枉)(了)(不)(少)(并)(没)(有)(讹)(人)(之)(意)(的)(老)(人)(。
  就)(如)(网)(友)(“褪)(818墨)(”说)(的)(,“如)(果)(被)(中)(华)(民)(族)(一)(直)(以)(来)(传)(颂)(的)(尊)(老)(爱)(幼)(的)(美)(德)(,需)(要)(保)(险)(的)(利)(益)(保)(底)(才)(敢)(去)(做)(,这)(样)(弘)(扬)(的)(社)(会)(良)(好)(道)(德)(风)(尚)(意)(义)(何)(在)(?”
  王)(绪)(谨)(则)(认)(为)(,若)(想)(要)(把)(摔)(倒)(的)(社)(会)(公)(德)(“扶)(”起)(来)(,除)(了)(健)(全)(对)(爱)(心)(人)(士)(及)(施)(助)(者)(的)(保)(护)(机)(制)(,完)(善)(道)(德)(激)(励)(,解)(除)(助)(人)(者)(的)(后)(顾)(之)(忧)(外)(,同)(时)(加)(大)(对)(诬)(告)(、讹)(人)(、敲)(诈)(等)(勒)(索)(行)(为)(的)(道)(德)(谴)(责)(和)(法)(律)(打)(击)(力)(度)(,这)(才)(是)(真)(正)(解)(决)(“扶)(不)(扶)(”这)(一)(痛)(点)(问)(题)(的)(关)(键)(所)(在)(。文)(/记)(者)(蒲)(长)(廷)(谢)(家)(乐)(
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