A typhoon brought the heaviest rainfall in Beijing in 140 years, and also caused floods, mudslides, waterlogging and other disasters in Beijing and Hebei, which not only caused people, but also brought huge property losses.
Insurance is seen as a risk "shock absorber", then, property damage and personal injury due to typhoonsWhat types of insurance are covered?
Are natural disasters such as typhoons and rainstorms covered by insurance?
In the face of flood disasters, how to reduce losses through insurance?
When a typhoon or flood comes, can insurance cover it?
For injuries caused by typhoons, etcMedical insurance, accident insuranceGenerally, you can pay for the expenses incurred. Accident insurance can cover disability or death. Secondly, for:Property damage, home property insurance, corporate property insurance, car insuranceClaimable.
Vehicle losses caused by natural disasters such as heavy rains, floods, and typhoons are covered by vehicle damage insurance. For damage to houses and furniture caused by typhoons, residents can also get compensation if they have taken out household property insurance, including the main body of the house, decoration and interior household property.
If the enterprise is insured with corporate property insurance, it can also recover part of the property loss. Farmers can be compensated for the loss of crops through agricultural insurance.
In the face of flood disasters, how to reduce losses through insurance?
Personal insurance.
Personal safety is a prerequisite for other safety. The so-called personal accident insurance refers to the insurance company that bears the liability for compensation in accordance with the insurance contract when the insured suffers physical injury and disability or death due to unintentional, external or sudden accidents.
Personal accident insurance can pay for death, disability, and medical treatment caused by accidents caused by heavy rain, such as drowning, electric shock, slip and fall, etc.
In the current era of natural disasters, personal safety is the first priority. currently on the marketLife insurance, personal accident insurance, personal accident medical insurance, critical illness insuranceand most other life insurance products, their insurance liabilities include flood damage liability.
If you have purchased life insurance, and within the insurance period, under normal circumstances, death or disability caused by heavy rain can be covered by accident insurance;
In the unfortunate event of death or total disability, life insurance can pay for it;
Hospitalization** due to heavy rain, accidental medical insurance can reimburse medical expenses;
If the illness occurs due to heavy rain and the claim standard of critical illness insurance is met, the critical illness insurance can be compensated.
Home property insurance.
With the growth of family wealth, residents are paying more and more attention to the safety of family property, and home property insurance is becoming one of the indispensable types of insurance for consumers.
Home property insurance, the full name of family property insurance, is an insurance with the family property of urban and rural residents as the subject of insurance, and the main protection is:The main body of the house, the decoration of the house, and the interior propertyand other three major areas.
When they suffer losses due to the reasons agreed in the contract, the insurance company will pay the corresponding compensation in accordance with the contract.
Home contents insurance is the most important type of insurance for individuals and families. Any family property that is stored and located at the address specified in the insurance policy and belongs to the insured can be insured by the insurer.
As can be found through the terms of home property insurance on the market, the coverage usually includes:Fires, lightning strikes, torrential rains, floods, typhoonsand so on, basically covering most of the sudden disasters that may be encountered in life.
It is important to note that not all property damage can be covered even if it is insured with flood liability.
Whether it's home property insurance, or business property insurance,There are properties that are not the subject of insurance, such as gold and silver, jewelry, jewelry, valuable**, etc. in family property insurance
in corporate property insuranceCash, valuable**, gold and silver, jewelry, jewelry, antiques, coins, etc, which is generally not within the scope of the subject matter of insurance.
Of course, some of these common properties that are not covered by the subject matter of insurance can also be included in the insurance liability in the form of additional clauses or additional insurance. The specific need depends on the terms of the insurance.
Insurance.
Nowadays, there are more and more car owners, and relatively speaking, cars are extremely vulnerable to damage in extreme weather, such as common body smashed, broken glass, flooding, etc.
At present, everyone has purchased compulsory traffic insurance, and other car damage insurance or three-party liability insurance is purchased.
If there is a natural disaster, the car is damaged by falling trees or other hard objectsCar damage insuranceClaims can be made directly.
If you find that the car is smashed, do not move the vehicle at will, but should take pictures first and then report to the insurance company, if you have purchased car damage insurance, you can directly notify the insurance company to make a claim, you need to pay attention to this kind of accident,The insurance company has an absolute deductible of 30%, which means that the car owner needs to pay 30% of the loss.
It should be noted that if it is a body, there is no problemIt's just broken glass, car damage insurance does not payYou need to purchase "glass insurance" to be covered.
If the car is wading or floodedRemember to take a picture of the water level and the vehicle**,and contact the insurance company.
Be sure not to light the fire again after turning it off, otherwise the insurance company will not compensate you. Losses caused by water ingress into the engine also need to be compensated by purchasing "wading insurance".
And, even if you have purchased "wading insurance,"The vehicle must also not be started in the event of water ingress into the engineOtherwise, no compensation will be given.
Agricultural insurance.
It is understood that agricultural insurance refers to the insurance company for agricultural producers in the process of planting, animal husbandry, forestry and fishery productionNatural disasters, accidents, epidemics, diseases, **fluctuationsIt is a kind of insurance that provides protection in the event of economic losses caused by insured accidents.
Policy-based agricultural insurance is generally based on the village, and the village committee organizes the rural households to take out insurance; When the insured accident agreed in the insurance contract occurs, the farmer can report to the insurance company to apply for compensation through the co-insurance personnel or customer service**.
Agricultural insurance plays an important role in reducing the losses caused by major animal epidemics such as African swine fever and major natural disasters such as catastrophic floods to the agricultural industry, and can provide effective risk protection for farmers' agricultural production.
Comprehensive insurance for corporate property.
Comprehensive property insurance is a common type of property insurance for enterprises in China, and all industrial and commercial, construction, transportation, catering service industries, state agencies, social organizations, etc. can be insured.
All property owned by the insured, or kept on behalf of others, or jointly owned with others, and for which the insured is responsible, can be included in the scope of insured property. (Please note that the insured must have a legally recognized economic interest in the property he or she insured, otherwise the insurance contract cannot be established.) ）
Xiaoyi's message
Natural disasters are ruthless, and in the face of natural disasters such as typhoons, on the one hand, it is necessary to do a good job in the basic protection of peopleConfigure the right insurance productOn the other hand, you also have to configure corresponding protection for your car or houseBe sure to check the coverage and exclusions before purchasing, such as whether it covers damage caused by natural disasters such as typhoons. In addition, before the natural disaster comes, it is best to do a good job of lifting and transferring to protect the safety of yourself and your family, and personal safety is the first!