扶老人险
'Helping the elderly' insurance
"Helping the elderly" insurance became available for purchase on Alibaba's payment platform Alipay recently. The insurance costs 3 yuan a year ($0.47) and pays up to 20,000 yuan to cover legal fees should the insured be involved in a dispute over whether they provided assistance to a senior citizen after a fall or were the cause of the fall.
阿里巴巴旗下支付平台支付宝近期推出"扶老人险".用户支付3元,一年期间,若被保险人遇到因帮助跌倒老人后导致被误认为是肇事者等纠纷,最高可获得2万元的法律诉讼费用.
"扶老人险"（"helping the elderly" insurance）为我国的保险市场又增加了一个"无奈险种"."扶老人险"的推出引发网友热议,有人认为此举可以帮助好心人讨回公道,而有人则认为这并不能解决根本问题,反而可能会助长"讹人"之风（encourage such extortion）.
此前部分医院推出手术意外险（surgical accident insurance）,目的是在手术出现意外情况、又不属于医疗责任（medical liability）的情况下,可通过手术意外险进行理赔,这样能够化解一部分医患纠纷（medical disputes）.
前两年出现过的奇葩险种还有"熊孩子险"（naughty child insurance）、"蜜月意外怀孕险"（Accidental Pregnancy Before Honeymoon）、"防小三险"（concubine-proof insurance）、"足球流氓险"（football hooligan insurance）,以及"世界杯遗憾险"（World Cup heartbreak insurance）等.
