What kind of insurance can compensate for the losses caused by "Tian Ge"

What insurance can compensate the losses caused by Tian Ge? In addition to catastrophe insurance underwritten by the government, citizens also need to know that personal accident insurance, death liability life insurance, enterprise property insurance, family property insurance, auto insurance and other insurances can also be paid in case of catastrophe.

Catastrophe insurance

According to the typhoon rating issued by the meteorological department, typhoons caused typhoon catastrophe compensation in Yangjiang and Yunfu, two pilot cities of catastrophe insurance. The estimated compensation amount is120,000 yuan and10,000 yuan respectively. The trigger of heavy rainfall compensation is being closely measured, and the insurance industry in Guangdong has prepared relevant compensation funds.

The so-called "catastrophe insurance" refers to the government's economic compensation for disaster risks that may cause large-scale personal and property losses due to typhoons, rainstorms, floods and earthquakes through a series of security system arrangements. "In the face of sudden large-scale natural disaster compensation, if a single insurance company cannot afford it, it should make institutional arrangements at the national or government level to achieve the purpose of diversifying risks."

Since 20 14, under the care and guidance of the provincial party committee and the provincial government, Guangdong Insurance Regulatory Bureau has actively cooperated with the Provincial Department of Finance and other relevant units to initiate catastrophe index insurance in China and implement the "Ten Livelihood Facts" of the provincial government. In the second half of 20 16, catastrophe insurance officially landed in Guangdong, East and West 10 cities. Around the three major disasters, such as heavy rainfall, typhoon and earthquake, an exponential model was established to pay compensation according to disaster parameters such as continuous rainfall, typhoon level and earthquake magnitude, providing risk protection of 2.347 billion yuan. Up to this disaster, 65.276 million yuan of compensation has been paid, which has played an important role in the construction of disaster relief system.

At present, Guangdong, Shenzhen and Ningbo are all insured by catastrophe insurance, so even if the partners in these areas are not insured, at least the government should not panic. However, insiders pointed out that "catastrophe insurance is somewhat similar to social security at present, and the amount of protection is not enough for economic compensation."

Life insurance and accident insurance

Life insurance is a kind of insurance with life and death as the insurance object. Accident insurance refers to injury (death, disability, etc.). ) caused by accidents (excluding diseases), while life insurance includes accidents and non-accidents (referring to diseases).

Therefore, life insurance can pay for the death caused by typhoon; Accident insurance can compensate for the losses caused by typhoon. It is worth noting that when taking out accident insurance, citizens should pay attention to whether there is medical responsibility for accidental injuries. The higher the accident insurance coverage, the better. But in fact, this coverage only represents the protection that can be obtained in the event of death, but most accidents will bring medical expenses.

According to Zhuhai News Network, on 23rd 16: 00, the underground garage of White Rose Garden in Xiangzhou District of Zhuhai City was flooded by Typhoon Tian Ge, and 1 person died in distress. After investigation, the victim Kuang bought China Life Insurance 99 Hongfu Life Insurance on 1996, and added Corning term insurance in 2004. Since 20 14, nine new policies, including China Life Insurance Xinfu Nian and China Life Insurance Fulu Shuangxi, have been added, with the accumulated insurance coverage exceeding 2.2 million yuan. These policies belong to life insurance such as critical illness insurance and financial portfolio plan, and they all belong to the category of claims.

On the evening of August 23rd, the relevant staff of China Life Zhuhai Branch immediately drove in the rain to express their condolences to their families, opened a green channel for claim settlement, simplified the claim settlement procedures, lifted the restrictions on designated hospitals, relaxed their identity certificates and provided advance payment services.

Family property insurance and enterprise property insurance

Whether it is a typhoon or a flood, the ground floor buildings will inevitably face the risk of being flooded, and many houses will collapse due to strong winds ... In these cases, family property insurance and enterprise property insurance can provide more effective and timely economic compensation.

For example, on August 23rd, 12: 04, PICC P&C received a report from a chemical plant in Jiujiang, Nanhai, Foshan. Affected by the "Tian Ge", the wall of the factory building collapsed, and the non-auto insurance surveyors who settled the claims arrived at the scene at the first time, learned the details, took photos to collect evidence, and assisted the customers to deal with the scene after confirming that no one was injured. On-site professional damage assessment takes less than 4 hours from the accident to the determination of compensation plan. On the morning of 24th, 20,000 yuan compensation was paid to the customer.

Family property insurance and enterprise property insurance, pay as much as you buy, but follow the principle of compensation Once a claim occurs, it is based on the actual value of the property, and it is useless to insure too much.

Various types of automobile insurance

The new auto insurance makes it clear that car damage caused by natural disasters including typhoons can be compensated. However, it should be noted that the engine loss caused by wading is not covered by car damage insurance. In this case, the insurance company will pay only if the water-related insurance is purchased.

This typhoon, the vehicle damage is undoubtedly particularly serious. Ping An Property & Casualty Insurance, PICC P&C Insurance and other major property insurance companies have launched fast claims settlement schemes.

For example, Ping An auto insurance takes only 3 minutes at the earliest from receiving the case to arriving at the scene. The fastest auto insurance is said to have been hit by the wind, and it takes only 13 minutes from the beginning of damage determination to claim compensation.

Photo: Surveyor Qi Xin and Qi Xin work together to remove a tree for quick measurement.

Photo: Although the rain stopped, the water still didn't go down, and the surveyors and rescue teams had to use kayaks for rescue.

Photo: A warehouse insured by Tianan Property Insurance was damaged, and the survey team braved the wind and rain to rush to the scene to help customers rescue, fighting until 1 o'clock in the morning.

Photo: Surveyors of Guangdong Branch of Pacific Property Insurance rushed to the survey site in time during the typhoon in Tian Ge.

Photo: The Breeding Insurance Department of Sunshine Agricultural Insurance Guangdong Branch arrived at Nansha Farm to investigate the disaster situation.

Claim statistics

In response to the typhoon, insurance companies have launched emergency plans, opened fast claims channels, and docked with suppliers such as road rescue to ensure timely rescue and timely acceptance of customer cases. At present, a number of insurance companies have disclosed relevant disaster relief data.

Ping An, China: By the 24th 15: 00, Ping An Property & Casualty Branch had received 9,228 auto insurance reports, mainly distributed in Zhuhai, Zhongshan 1059 and Jiangmen 1097. Among them, 5 13 cases have been closed; Ping An Property & Casualty Guangdong Company received 525 property insurance reports (excluding cancellation) and 9 serious cases. All 39 cases with survey conditions have been surveyed, and the survey work has been fully carried out, and the losses are being counted.

In addition, according to the data released by China Ping An Life Insurance Company of China Insurance Company, as of 15: 50, Guangfen received reports from four customers, who were injured by a typhoon accident and were being treated in the outpatient department.

PICC P&C insurance: As of noon on August 24th 12, PICC P&C Yuedong Company has received a total of typhoon Tian Ge reports 1 1078, including 9844 auto insurance, 4 agricultural insurance, 980 enterprise insurance, 33 family insurance and engineering insurance.

China Dida Insurance: As of August 23rd 19: 00, China Dida Insurance Guangdong Branch has received 1043 accident reports. At present, the survey and loss assessment work is being carried out in an intense and orderly manner. The company will pay close attention to the progress of the typhoon, always take customers as the center, fully protect the rights and interests of customers, and assume the social responsibility of state-owned insurance enterprises.

China Pacific Insurance: As of the 23rd 16: 00, China Pacific Insurance has received a report from 137 1 Property Insurance, and two other customers were hit by an outdoor billboard blown down by a typhoon, resulting in 1 death 1 injury; China Pacific Insurance completed the life insurance payment of RMB 654.38+RMB 3449 in 30 minutes.

Sunshine Insurance: As of 23 16: 00, Guangdong Branch of Sunshine Property & Casualty has received 856 auto insurance reports and 29 non-auto insurance reports.

Taiping Property Insurance: As of the afternoon of August 23rd 15, Taiping Property Insurance received typhoon 142, including Guangdong 1 17 and Shenzhen 25.

Many insurance companies, such as Taikang Life Insurance, Tongfang Global Life Insurance, Everbright Life Insurance, Evergrande Life Insurance and Sino-Italian Life Insurance, also launched emergency plans to deal with typhoon Tian Ge at the first time.