How to compensate for the losses caused by disaster relief? What is the guarantee for the losses caused by disasters?

◆ If the requisitioned materials are damaged, there will be appropriate compensation and rewards.

◆ Residential houses, crops, production machinery, etc. Compensation can be made in flood storage and detention areas, and 70% of houses can be damaged by replenishing water.

◆ Survivors can receive pensions and enjoy medical security according to relevant regulations.

◆ There are relevant subsidies for the restoration and reconstruction of damaged houses, and the rural houses are protected in a unified way to prevent rain disasters. Damaged housing loans still have the obligation to pay off.

◆ Agricultural insurance has covered 59% of the country's main crop planting area, and it is still based on "capital preservation"; Vehicle losses mainly depend on auto insurance.

How to compensate for the losses caused by disaster relief?

Affected by this year's heavy rainfall, many places in China have suffered from floods, and the disaster areas have mobilized all forces to fight floods and provide relief, so as to minimize disaster losses. In the process of disaster relief, many people lost farmland, houses and machinery in response to the government's emergency requisition and flood diversion measures. How to compensate for these? How to carry out hero's pension work? What is the situation of post-disaster reconstruction and recovery in various places? For the issues of concern to the masses, the reporter conducted investigations, interviews and policy sorting.

Emergency requisition of materials, how to compensate afterwards?

If the requisitioned materials are damaged, there will be appropriate compensation and rewards. Hunan Huarong 16 "Truck Warrior" * * received more than 2.6 million yuan.

In Huarong, Hunan, 16 "truck warrior" bravely blocked the breach. While praising, many people are paying attention to: how to compensate for the property losses caused by disaster relief requisition and transfer to individuals?

"According to the provisions of China's property law, due to emergency needs such as emergency rescue and disaster relief, real estate or movable property of units and individuals can be levied in accordance with the authority and procedures prescribed by law. The expropriated real estate or chattel shall be returned to the expropriated person after use. Units or individuals whose immovable property or movable property is expropriated or damaged or lost after expropriation shall make compensation. " Chloe Wang, Associate Professor of Law School of China Youth University for Politics, introduced.

The Flood Control Law and the Flood Control Regulations of People's Republic of China (PRC) also stipulate that during the emergency flood control, the flood control headquarters has the right to transfer materials, equipment, means of transportation and manpower within its jurisdiction, and shall return them in time or give appropriate compensation afterwards.

After the flood in Zhihedu Town, Huarong County, Hunan Province, Huarong County temporarily requisitioned private trucks to help the breach go smoothly. On July 2 1 day, the county held a symposium on "truck warriors", and 16 "truck warriors" * * * received vehicle compensation, lost time and bonus of 26 1.77 million yuan.

It is reported that this compensation is divided into three parts, one part is the compensation for the truck that blocked the gap. Vehicle compensation ranges from 1.59 million yuan to 357,500 yuan, 17 vehicle compensation 2 1.0 1.7 million yuan; The second is the driver's lost time subsidy. According to the nuclear tonnage, the driver will be subsidized from 400 yuan to 1 10,000 yuan every day and 356,000 yuan for 40 working days; 3. Behavior bonus, 16, each driver gets 10000 yuan.

What are the compensation policies for the losses caused by flood diversion?

Residents' houses, crops, production machinery, etc. Compensation can be made in flood storage and detention areas, and 70% of houses can be damaged by replenishing water.

According to the needs of flood fighting and disaster relief this year, some areas have carried out small-scale flood diversion. For the losses caused by damaged houses, flooded farmland crops and destroyed production facilities in flood storage and detention areas, China promulgated and implemented the Interim Measures for Compensation for the Use of Flood Storage and Detention Areas on May 27, 2000, and all localities generally formulated local implementation rules with reference to national measures.

Wang Chunxia, a staff member of the Anhui Flood Control and Drought Relief Headquarters Office, introduced that Anhui Province implemented the Detailed Rules for the Implementation of the Interim Measures for the Paid Use of Flood Storage and Detention Areas in Anhui Province on July 1 2002 with reference to national measures. "According to the detailed rules, residents with permanent residence in flood storage and detention areas will be compensated in accordance with the provisions of the Measures and detailed rules after being used in flood storage and detention areas, and can enjoy the same government assistance and social donations as other flood victims in accordance with relevant state regulations.

The losses of compensation for residents in Anhui include: the losses caused by water damage to crops, specialized aquaculture and economic forests are compensated according to 70%, 50% and 50% of the average annual output value in the three years before flood storage and detention; If losses are caused by water damage, 70% of the losses caused by water damage shall be compensated; Non-transferable household agricultural production machinery, farm animals that cannot be transferred or die due to transfer, and major household durable consumer goods shall be compensated according to 50% of the water damage loss.

The reporter learned that Wuhan City, Hubei Province has started residential planning and construction a few days ago. After the flood of Niu Shan Lake in Wuhan, the staff of Niu Shan Lake Fishing Ground will move to the immigrant village. Fang Zhi, Jiangxia District, Wuhan City, said that the immigrant village is being selected, and the construction standard of the new village will be higher than that of the resettlement area in the general urban area. Before moving in, pay the transitional resettlement fee according to the regulations. In addition, Jiangxia District will provide re-employment training and recommendation for professional fishermen who have landed; Fishermen still receive wages according to the original standards before taking up their posts, and the wages are paid by the district finance.

A related person from Wuhan Donghu New Technology Development Zone said that the flood diversion involved immigrants from Longquan Street and Binhu Street 1.397 in this area, and some of them could move into Longquan Community. At present, the first phase of the community reconstruction project has been completed, and resettlement can begin in September this year.

How to carry out the pension for disaster relief victims?

Survivors can receive pensions and enjoy medical security according to relevant regulations.

How to arrange the follow-up pension work if you die on duty in disaster relief? The reporter inquired that the "Regulations on the Praise of Martyrs" stipulates that if a citizen's sacrifice is in line with "emergency rescue and disaster relief or other sacrifices sacrificed to rescue and protect state property, collective property and citizens' lives and property", it is assessed as a martyr. The Regulations on Armed Forces Participating in Emergency Rescue and Disaster Relief stipulates that those who are killed or disabled in the execution of emergency rescue and disaster relief tasks shall be given pension and preferential treatment in accordance with relevant state regulations; The Regulations on Pensions and Preferential Treatment for Soldiers stipulates that "if a soldier dies and is approved as a martyr, confirmed as having died in the line of duty or died, his survivors shall enjoy pensions in accordance with the provisions of this Ordinance".

Ren Lilian, the hostess of Wangwujing Village, Baisha Town, Yangxin County, Hubei Province, died in the disaster relief in June, and the local government implemented the pension treatment according to the relevant provisions of the Regulations on Pension and Preferential Treatment for Soldiers.

The reporter learned that Li Lian's survivors can enjoy the following pension benefits: First, a one-time pension is included in the county budget. The second is a regular pension, and the required funds are arranged by the central government. According to the Regulations on Military Pensions and Preferential Treatment, Li Lian's 62-year-old biological mother and 4-year-old daughter are eligible for special care, and can receive 2308 yuan per month. A hundred years later, her mother received a pension and her daughter received 18 years old. Third, medical security, Li Lian's biological mother and little daughter can enjoy the medical security treatment of special care recipients. The civil affairs department buys medical insurance for it, and the required funds are included in the budget arrangement by the county-level financial department.

What is the progress of post-disaster reconstruction in various places?

In the disaster-stricken areas, agricultural production recovery, medical immunization and housing reconstruction and maintenance work were generally carried out.

A few days ago, the reporter conducted an investigation on the disaster-stricken areas in many places. In order to get people's production and life back on track as soon as possible, all localities are making efforts to resume agricultural production, carry out medical immunization assistance and rebuild housing.

In order to resume agricultural production as soon as possible, many governments distribute grain seeds free of charge, carry out centralized seedling raising, and reward self-help in production. According to the staff of Hubei Provincial Department of Agriculture, in mid-July, the provincial level has allocated 300,000 Jin of reserved seeds and transported them to the hardest hit areas such as Huangshi City, Huanggang City and Wuhan City. At the same time, 2 million Jin of available seed sources in the province and more than 2 million Jin of seed sources outside the province have been confirmed. Implement fishery disaster relief funds of 22 million yuan and quickly organize agricultural machinery and tools to be put into the front line of disaster relief. The Hubei Provincial Development and Reform Commission said that a number of major projects will be planned around post-disaster reconstruction, municipal facilities, farmland water conservancy and renovation of dilapidated buildings.

In terms of medical and epidemic prevention, disinfection of water-filled houses and health and epidemic prevention tests in disaster areas are provided free of charge in most areas. During the emergency period, outpatient and hospitalization expenses are free, and during the transition period, the proportion of medical compensation for people in the hardest hit areas will be increased. Huarong county, Hunan province will increase the compensation for medical treatment in township hospitals by 5%, and the compensation for medical treatment in hospitals above the county level will increase by 10%.

Anhui clarified the disaster relief standards and subsidized 20,000 yuan for housing reconstruction of needy families. Check the houses damaged by the disaster one by one, determine the recovery and reconstruction objects, and register them. Integrate with policies such as rural dilapidated housing renovation and rural housing insurance, and implement subsidy standards for dilapidated housing renovation. Five-guarantee households, rural low-income households, and poor disabled families will renovate dilapidated houses at a cost of 20,000 yuan per household, and repair and reinforce them at a cost of 6,000 yuan per household. Subsidies for repairing houses damaged by disasters in many disaster areas have been distributed to counties and towns.

Reporter/Hou Cong

What is the guarantee for the losses caused by disasters?

After the flood, the affected people faced different degrees of property losses. What can be redeemed? What kind of help can you get?

What protection and assistance are there for the losses caused by disasters?

At present, it is mainly government assistance, social donation and various policy and commercial insurance.

When residents encounter natural disasters, personal property losses are mainly guaranteed by government assistance, social donations and various policy and commercial insurance.

According to the Regulations on Natural Disaster Relief, the government's natural disaster relief is mainly used for emergency relocation and resettlement of the affected people, emergency assistance, transitional life assistance, restoration and reconstruction of damaged houses due to disasters, and appeasement of the families of the victims.

Since June, the Ministry of Finance and the Ministry of Civil Affairs have allocated 654.38+0.58 billion yuan of central natural disaster living allowance funds, and urgently allocated 33,500 tents, 654.38+0.3 million beds (pieces) of clothes and other central disaster relief reserve materials to the hardest hit areas such as Hubei, Jiangsu and Hebei. Anhui has allocated 308 million yuan for disaster relief, allocating 60 tents10 and quilts 1 1590 beds. By the beginning of July, Hubei had raised 730 million yuan for flood control and disaster relief, allocated 2,450 tents and 65,400 pieces of clothes and quilts.

Social donations are made by the civil affairs departments of the government or various charitable organizations and other social institutions, and the scale and use of donations are implemented in accordance with the Charity Law and the Articles of Association. By July 30th, Hubei Province had received a total of 327192,900 yuan in donations for flood control and disaster relief.

All kinds of policy and commercial insurance are playing an increasingly important role in post-disaster security. In the face of this flood disaster, the CIRC requires all insurance regulatory bureaus and insurance companies to improve the work plan for major disaster claims, give priority to claims in disaster areas, and strictly investigate behaviors such as procrastination and no compensation in disaster claims. By the beginning of July, Hubei and Anhui had received more than 50,000 insurance reports.

What should I do if the house is damaged by the disaster? Do you want to continue to pay off the damaged house loan?

There are related subsidies for the restoration and reconstruction of damaged houses, and the unified protection of rural houses can prevent rain and disaster, and the loans for damaged houses still have the obligation to pay off.

Housing is the "big head" of family property, and the government pays special attention to disaster prevention and relief. The relief funds and policies of the central and local governments include the restoration and reconstruction of houses damaged by disasters.

Anhui requires that the houses damaged by the disaster be investigated one by one, and the objects of restoration and reconstruction be determined and registered. Integrate with policies such as renovation of dilapidated houses in rural areas and rural housing insurance, and implement subsidy standards for renovation of dilapidated houses. Hubei, Hunan and other places have policies related to the restoration and reconstruction of damaged houses.

In terms of insurance, China's family insurance system mainly covers flood losses through policy family insurance subsidized by local finance. In recent years, Zhejiang, Guizhou, Jiangsu and other places have carried out the project of unified protection of rural houses to benefit the people. 20 15 the amount of unified guarantee for rural houses in mountainous areas and reservoir areas of Anhui province has risen to 300,000 yuan, and the scope of responsibility includes rain disasters and wind disasters.

On the whole, the domestic home insurance market can not meet the residents' "all-insurance" housing security needs. For example, some rural non-steel residential buildings washed away by floods this year were refused insurance by commercial insurance companies, rural housing insurance was not piloted locally, and there was no insurance support for post-disaster reconstruction. Experts believe that in addition to natural and man-made disasters, the house itself also has the problem of "shelf life". For example, in the 1980s and 1990s, a large number of reinforced concrete residential buildings were built, which required insurance and a "safety lock".

There are still many people who are concerned about whether houses damaged or collapsed due to the disaster should be compensated. Chloe Wang, an associate professor at the Law School of China Youth University for Politics, said that the mortgage should be paid back.

When the mortgaged house is damaged or collapsed due to flood, the house as collateral is damaged or lost, but the bank mortgage right has not been eliminated.

If the flood only causes partial damage to the mortgaged house, the bank can exercise the mortgage right on the remaining house, and the debtor still has the obligation to pay off the unpaid part.

If all mortgaged houses are destroyed due to flood, the mortgage will be destroyed due to the loss of collateral. As the mortgaged property, the debtor shall still bear the obligation to pay off the part that is not repaid.

What protective measures are there for the affected crops? What should I do if the vehicle is damaged by the disaster?

Agricultural insurance has covered 59% of the planting area of major crops in China, and it is still based on "capital preservation"; Vehicle losses mainly depend on auto insurance.

According to the statistics of the Ministry of Agriculture, since June, heavy rainfall has caused more than 67.2 million mu of crops to be affected. This kind of loss mainly depends on various agricultural insurance and the government's rescue policy in the post-disaster recovery production.

At present, the disaster-stricken areas all over the country are trying to resume agricultural production, and many places have introduced measures such as free distribution of seed fry, centralized seedling raising and production self-help awards.

Since 2003, China has implemented the agricultural insurance policy of financial subsidies for premiums. At present, agricultural insurance has covered 654.38+0.45 billion mu of major crops, accounting for 59% of the sown area of major crops in China. By the end of 20 15, only the insurance types subsidized by the central government have involved 15 crops and 6 breeding varieties, accounting for 738 agricultural insurance products. In addition, local policy insurance has been developed in various places, such as herbal medicine cultivation, accidental injury insurance for village cadres, farm houses and agricultural machinery insurance covering villagers' family property, and so on. The data shows that financial subsidies at all levels have accounted for more than 80% of agricultural insurance premiums.

20 15, 1 1 In June, the CIRC upgraded 738 agricultural insurance clauses. On the basis of the original floods and windstorms, the liability scope of planting insurance has been expanded, and it is also stipulated that all products shall not be deductible, and there is no compensation cap line below the insured amount. At the same time, the compensation standard in different growth stages and crop failure cases has been improved. These measures have made some areas

It is understood that due to the lack of overall risk tolerance and management ability of the insurance industry, most agricultural insurance products can only protect the cost loss.

This year's heavy rainfall has caused many vehicles in urban and rural areas to be flooded, and recovering losses mainly depends on auto insurance. 20 15, the insurance industry started the pilot reform of auto insurance rate marketization, and the insured or the driver's family can pay compensation under the three liability insurance; You can get compensation for an accident if the vehicle is not licensed; Natural disasters such as hail, typhoon and blizzard, as well as car damage caused by accidental collision between goods and people on the car, can all be compensated.

Some experts pointed out that the sudden reduction of natural disasters has caused great pressure on the safety of public places where people are concentrated, and public liability insurance should also be popularized. Practitioners in some special industries, such as sailors, lifeguards, offshore drillers, firefighters, nuclear power plant workers, electric workers, etc. When natural disasters come, you are either in danger or go to the front line of disaster relief. They should ask affiliated enterprises to buy group accident insurance for them, or the enterprises should buy "employer liability insurance" themselves to prevent problems before they happen and hold up an umbrella for the weak and brave. In addition, "business interruption insurance" and "business profit loss insurance", which are mature abroad, are still blank in China.