Xinxiang City's liability insurance for students' internships in secondary vocational schools is compulsory. The scheme adopts the mode of joint insurance, which has the characteristics of wide coverage, low insurance rate and unified service standard. According to the principle of the same life and the same price, the system of territorial insurance, territorial compensation and compensation in different places is implemented nationwide, and the terms used in the internship liability insurance for students in secondary vocational schools have been filed with the CIRC.

I. Insurance plan

At present (20 10), the student internship insurance scheme for secondary vocational schools is jointly organized and formulated by China People's Property Insurance Co., Ltd. and China Ping 'an Property Insurance Co., Ltd. under the coordination of Yingshuo (Beijing) Insurance Brokerage Co., Ltd., which fills the gaps in relevant laws and regulations on student internship in vocational schools, better protects the rights and interests of secondary vocational schools and interns, and conforms to the provisions notified by the three ministries.

Second, risk management mechanism.

1, Relief Fund The operation of the student internship liability insurance system in secondary vocational schools adopts the mode of "insurance+fund". Yingshuo Insurance Brokerage Company established the "Risk Management Fund for Secondary Vocational Schools" and entrusted the "China Children and Teenagers Fund" to manage it, which was used nationwide to allocate funds for the risk management of students' internships in secondary vocational schools.

2. In order to help secondary vocational schools understand the knowledge of risk management and safety emergency, and improve the risk management ability of secondary vocational schools, the user division will organize relevant experts to compile case training courses with industry working characteristics for the categories with large enrollment and employment, and train principals and teachers of various vocational schools.

To sum up, insurance is the basic means of risk management and control under the market economy system. Carrying out students' internship liability insurance in secondary vocational schools can effectively prevent and properly resolve the responsibility risks of students' internships, protect the rights and interests of interns, eliminate the worries of schools, enterprises and parents, solve social contradictions that may be caused by accidents during the internship process, and maintain the normal education and teaching order in secondary vocational schools.