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西湖区文新街道探索落地邻里互助专属保险_我的网站

A |     从“人情债”到“明白账”再到“放心帮”每日商报讯 “互助员上门服务万一出了意外怎么办？”“低偿收费后，责任如何界定？”昨天，西湖区文新街道与中国人民财产保险股份有限公司杭州市西湖支公司正式签署“邻里互助”综合保险合作协议，困扰辖区邻里互助员和社区许久的“心头病”有了制度性“良方”。    Washington, Oct 10 (UNI) More and more Indians are entering the United States from the Mexican border.

Since the beginning of the 2022 fiscal year that started last October, a record 16,290 Indian citizens have been taken into US custody at the Mexican border. The previous high of 8,997 was recorded in 2018, BBC reported.

Experts point to a number of reasons for the increase, including a climate of discrimination in India, an end to pandemic-era restrictions, a perception that the current US administration is welcoming to asylum seekers and the ramping-up of previously established smuggling networks.

While some migrants are coming to the US for economic reasons, many are fleeing persecution back home, said Deepak Ahluwalia, an immigration lawyer who has represented Indian nationals in Texas and California.

The latter group range from Muslims, Christians and "low-caste" Hindus to members of India's LGBT community who fear violence at the hands of extreme Hindu nationalists or supporters of the secessionist movement and farmers from the Punjab region, the BBC reported.

Conditions for many of these groups have deteriorated in recent years, international observers say.

Immigrants often see the US as "the ultimate gateway" to a better life, said Ahluwalia, the lawyer.

The enormous distances involved, however, make the trip to the US extremely challenging.

Traditionally, Indian migrants who arrive at the US-Mexican border use "door-to-door" smuggling services, with journeys arranged from India to South America.

They are often guided the entire way and travel in small groups with their fellow countrymen who speak the same language, rather than individually or with only family members.

These networks often begin with India-based "travel agents" which outsource parts of the journey to partner criminal groups in Latin America.

Jessica Bolter, an analyst at the Washington DC-based Migration Policy Institute, said that the number of Indian migrants is also rising as a result of a "ripple effect" that takes place when those who have used these services successfully recommend them to friends or family back in India.

"It naturally expands and draws more migrants," she said. "Of course, that doesn't happen without migrants wanting to leave originally."

Manpreet, a 20-year-old from Punjab who asked that only his first name be used, a vocal critic of India's ruling BJP, fled the country after being persecuted for his political beliefs, the BBC reported.

"From Ecuador I took a bus to Colombia, and from Colombia I took a bus to Panama," Manpreet recalled in an interview with the BBC from California. "From there, via a boat, I (went to) Nicaragua and Guatemala, and then Mexico and entered the US."

Even guided by seasoned smugglers, the trip to the border is often one that is fraught with dangers, including robberies and extortion at the hands of local gangs or corrupt authorities or extreme weather, injuries and illness.

These dangers were highlighted in 2019 when a six-year-old Indian girl from Punjab was found dead in the scorching desert near the border town of Lukeville, Arizona.

It was later reported that she died in temperatures of over 42 C (108 F) after her mother left her with a group of other Indians to go search for water.

UNI MR。

B | 今年5月，文新街道先行探索“低偿邻里互助”养老模式，在德加社区尝试“物业牵头、双轨定价”做法，送餐5元一次、洗衣晾晒10元一次……明码标价的互助模式在15个社区迅速推广开来。目前，全街道已挖掘邻里互助员320名，累计完成互助服务近千次，惠及老年群众三千余人。但随着服务的深入，新的堵点开始显现。由于缺少明确的保险保障和法律权责划分，部分热心居民怕“好心办坏事”而不敢积极参与，社区在推动服务时也有所顾虑，成为制约模式复制推广的隐性瓶颈。对此，文新街道明确“居民自发自治、街道统筹托底”的核心原则，将“安全”作为破局的首道关口。此次签约落地的专属保险方案，正是“托底”的关键一环。据悉，文新街道专门划拨民生专项资金，为全街道在册的互助服务人员及重点老年服务对象统一投保。

C | 该定制化保险覆盖了人身意外伤害、财产损毁、第三方责任等邻里互助场景中的高频风险。“有了这份保险，我们上门服务心里踏实多了。”德加社区互助员裴浙江在签约现场感慨道，“以前总担心万一出了事扯不清责任，现在既有保险兜底，又有公约免责，我们敢放开手脚去帮老邻居了。”值得一提的是，此次签约不仅仅是购买一份保险产品，更是政企协同赋能基层治理的一次深度探索。根据共建计划，中国人保财险西湖支公司的专业力量将纳入社区助老服务梯队，配合街道完善重点老年人信息档案，同时，为文新社区开通绿色通道，提供上门协赔、快速理赔等一站式服务，打通助老服务的“最后一公里”。

D | 除了保险保障，双方还将推进服务阵地共建，依托社区居家养老服务中心，常态化开展反诈宣传、金融安全科普、长护险及“西湖益联保”等普惠保险的咨询办理。“低偿互助不是政府大包大揽，而是搭建一个让邻里善意可持续运转的平台。”文新街道相关负责人表示，街道将继续扮演好“统筹者、孵化者、赋能者”的角色，织密邻里互助网络，让熟人社会的温情在现代社区持续生长。

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