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支付宝杭州扫码坐公交得意外险:85岁老人也有份 - 站长搜索
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支付宝杭州扫码坐公交得意外险:85岁老人也有份

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2017-07-20 16:37:15 转载来源: IThome

无现金之城杭州又树立了新榜样。近日,杭州的晏女士发现,用支付宝扫码乘坐公交,免费得到了一份公交意外险

无现金之城杭州又树立了新榜样。近日,杭州的晏女士发现,用支付扫码乘坐公交,免费得到了一份公交意外险。记者注意到,这款赠送的公交意外险,能覆盖到12岁到85岁的老人,堪称“良心”保险。

“以前就知道乘飞机时候可以买航空意外险,现在坐公交也有公交意外险,飞机难得乘,公交我们天天坐的,这个保险我觉得特别实用。”晏女士称。

记者从支付宝处了解到,公交意外险由支付宝为乘客投保,乘客不需要花钱,只要用支付宝扫码乘坐公交车就能得到这份保障。扫码乘公交车送保险活动于7月12日上线在杭州试点,乘客乘坐公交车过程中发生意外而导致残疾、身故能得到赔付,最高保额5万元;意外医疗和随身财物遭遇盗抢导致的损失最高保额均为1000元。用户可直接在支付宝里在线申请理赔。

“平常没感觉,一旦出事了就觉得保险很有必要。”市民彭小姐介绍。尤其是老人行动不便在公交车上容易摔倒,也容易受伤,三年前,彭女士55岁的母亲在乘坐公交车时因急刹车摔倒致左小腿骨折,手术花费十几万元,最终由公交公司、司机和自己投保的保险公司多方协商解决。

近年来,新闻媒体常有乘客乘公交意外受伤的报道,老人因身体原因受伤的几率更大。但车票不包含保险费用,很多涉及到事后赔偿就会导致纠纷。如公交车启动或刹车时乘客摔伤,往往难以厘清责任,最终大都由司机、车队和受伤乘客协商解决,有的甚至会起诉至法院,经历漫长的审理过程。

一直以来,因风险大等原因,意外险难以覆盖60周岁以上的老人群体。这次公交意外险能够覆盖到85岁的老人,彭女士称这算是“良心保险”。

作为首个无现金城市,杭州主城区公交车均可用支付宝扫码乘坐,且已实现先乘车后付款服务。支付宝公共服务平台负责人刘晓捷表示,“无现金社会不仅让百姓生活更便捷,更要让用户更安全,保险能给乘客安全保障也能化解社会矛盾和纠纷。”

这并非支付宝第一次送出公共出行的意外险。今年4月,支付宝为扫码骑行共享单车的用户投保,两个月内已赔付99例,理赔金额从几十元到数千元不等,其中最快一次从发起申请到赔款到账,全程只用了4个小时。

支付宝方面透露,坐公交送意外险活动也即将在武汉推出,随着无现金城市的增加,希望能推广到更多无现金城市,让保险成为无现金城市公共出行的标配。截至7月19日,与蚂蚁金服签约建设无现金城市的已有杭州、武汉、天津、福州和贵阳五个城市。

标签: 支付 杭州 扫码 公交 意外险 85岁 人也 有份


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