Xinhua News Agency reported that at 23:59 on December 18, 6Magnitude 2**, hypocenter depth 10 km. As of 19:00 on the 19th, a total of 127 people were killed, 113 in Gansu and 14 in Qinghai, and some water, electricity, transportation, communications and other infrastructure were damaged.
After the disaster, the State Administration of Financial Supervision immediately activated the emergency response mechanism, and all insurance companies also activated the emergency response plan as soon as possible, set up a special working group, opened a green channel, organized the investigation of customer insurance, and carried out claims settlement services. **What kind of circumstances can be covered by the insurance after it happens?Can I make a claim for my car encounter**?With a series of questions, a reporter from Beijing Business Daily interviewed industry experts and insurance practitioners for the first time.
The first insurance claim has been completed.
Every time a natural disaster occurs, the insurance industry will rush to the front line to contribute to reducing property losses and restoring people's production and life as soon as possible after the disaster, and this time is no exception.
After the disaster, Li Yunze, Secretary of the Party Committee and Director of the State Administration of Financial Regulation, presided over the convening of the Party Committee, at which it was decided to immediately activate the emergency response mechanism, coordinate and guide the local supervision bureau, property insurance companies, life insurance companies, banking institutions, etc. to start the emergency plan, and do a good job in insurance claim services. It is emphasized that it is necessary to open green channels, simplify the procedures for settling claims, and earnestly safeguard the safety of people's lives and property. Banking and insurance institutions are required to increase relevant support for disaster-stricken areas and restore local basic financial services in a timely manner. Urge the local banking and insurance industries to strengthen their own safety production management, scientific rescue, and strict prevention of secondary disasters.
At the same time, insurance acted quickly, and a number of insurance companies immediately activated emergency plans, including Chinese Life, Ping An of China, China Taiping, Taikang Insurance Group, Zhongan Insurance, Sunshine Insurance Group, Xinhua Insurance, China Pacific Insurance, etc.
From the perspective of insurance companies' measures, they mainly include actively checking customer insurance information, non-policy claim services, simplifying claim procedures, providing door-to-door claim services, canceling hospital and drug restrictions, car insurance rescue services, and providing psychological counseling services.
At present, the first claim has been made by an insurance company. Ping An said that at 3 a.m. on December 19, the first batch of claims adjusters of Ping An Property & Casualty Gansu Branch arrived in the affected area to provide rescue and claim settlement services for the local affected people. At present, Ping An Property & Casualty has completed the first ** case claim, with a compensation amount of 7,000 yuan.
Car insurance, accident insurance, etc. can be compensated.
Generally speaking, after the occurrence of a major disaster, there are many insurance products that can share the loss of life and property of residents, including life insurance, various types of accident insurance, medical insurance, property insurance, etc., which are mainly divided into two categories: life insurance and property insurance.
In terms of property damage, can common home property insurance and enterprise property insurance compensate for the losses caused by **?Li Chao, an insurance lawyer at Beijing Shaohe Mingdi Law Firm, introduced that common home property insurance and enterprise property insurance will generally take ** and tsunami as exclusions, because ** is a catastrophe, once a regional collective loss occurs, a single insurance company has limited underwriting capacity, and it is generally covered by catastrophe insurance. However, some products of some insurance companies now have additional provisions that can be included**, but they will restrict the region.
However, the consumer is expected to receive insurance compensation for the loss of the vehicle caused by **. A reporter from Beijing Business Daily learned that after the comprehensive reform of car insurance, the insurance liability of car damage insurance has been increased to the insurance liability of ** and its secondary disasters, glass breakage, spontaneous combustion, engine wading, etc. An Guangyong, an expert of the Credit Management Committee of the China Mergers and Acquisitions Association, said that after the comprehensive reform of auto insurance, "* and its secondary disasters" were excluded from the exemption clause, so car insurance can compensate for the losses caused by **. This is a consumer-friendly change that provides more comprehensive protection for car owners.
Judging from the insurance report, car insurance is currently the mainstay. CPIC said that up to now, it has received 17 reports of related car insurance in Jishishan County, Linxia.
What kind of life insurance can compensate for personal injuries caused by **?Li Chao said that accident insurance and medical insurance in life insurance can be compensated because these insurances are not exempted**. In terms of life insurance, relatively speaking, the mobility of personnel is greater, and the daily activities of the insured population are more diversified and the risks are more dispersed, so they are generally not exempt from catastrophes such as tsunamis.
As of press time, Gansu ** has caused 127 people to be killed, if the unfortunate victims have purchased insurance, which insurance is expected to compensate?According to the reporter's understanding, the insurance products with death or total disability as the insurance liability are mainly life insurance, such as term life insurance, whole life insurance, etc. Generally speaking, life insurance does not include ** as an exclusion, and customers who purchase these insurance will receive relevant benefits in the event of death or total disability in **.
Report the case and settle the claim in a timely manner.
In addition to common commercial insurance, some areas will also purchase services and commercial insurance for the local area to improve the natural disaster relief system.
A reporter from Beijing Business Daily learned that this year, Linxia County, located in Linxia Prefecture, Gansu Province, has publicly tendered for the "Linxia County 2023 Natural Disaster Relief and Family Comprehensive Accident Insurance Project". According to the bidding documents, through the adoption of the first purchase, the operation of commercial insurance service institutions, for Linxia County belongs to the first management of public places, public facilities and urban and rural residents' residential fires, natural disasters and other emergencies that are not responsible or the responsible party is unable to compensate, the establishment of a commercial insurance compensation mechanism, improve the post-disaster compensation standards, timely resolve social contradictions, improve the county's ability to resist public sudden disasters.
According to the bidding documents, for the property losses caused by natural disasters such as landslides and mudslides, the amount of housing insurance for residents is 40,000 yuanThe compensation limit for death and disability of emergency rescue, rescue and disaster relief personnel is 400,000 yuan;Residents and floating populations are also covered by insurance, with a compensation limit of 10 million yuan per accident and a cumulative compensation limit of 50 million yuan.
Regarding the precautions for insurance claims after the earthquake, An Guangyong said that when making claims, consumers need to pay attention to reporting the case in a timely manner, providing relevant evidence and information, and following the insurance company's claim process. In addition, it is important to maintain open communication and consult with a professional. Li Chao said that for natural disasters such as **, insurance companies often open a green channel service for claims, which can simplify the process of material procedures, and the insured or family members should report the case in time to avoid delaying for too long and causing the cause and extent of losses to be unidentified.
Beijing Business Daily reporter Li Xiumei.