1. Home insurance
Many low-lying family homes are vulnerable to heavy rainfall, so families, especially those living in southern cities where there is a lot of rainfall, can buy a home contents insurance. The insurance responsibility of the family property insurance clearly indicates that in the event of heavy rain, flood, snow and other natural disasters, the insurance company covers three major parts of the house and ancillary equipment, interior decoration and indoor property, and the insured can independently choose the part of the insurance that is easy to be damaged.
Risks such as the collapse of a resident's house, flooding of the house, damage to furniture and home appliances, and destruction of interior decoration caused by heavy rainfall can be transferred by taking out a home contents insurance policy.
2. Car insurance
Vehicles suffered storm damage claims mainly car damage insurance and water-related insurance, car damage insurance is the main motor vehicle claims, water-related insurance is an additional type of car damage insurance, usually need to be purchased separately. It is worth noting that most of the car damage insurance in the market only compensates for damages caused when the vehicle is flooded while standing still and the owner does not force it to start, such as scratches or damages caused by tree branches or stones due to heavy rain, or when a parked vehicle is flooded by stagnant water.
Water-related insurance, also known as automobile engine special damage insurance, is mainly for insured vehicles driving in water, or in the water caused by engine damage compensation, such as flooding caused by torrential rain, vehicle accidentally fell into the water, but if it is intentionally caused by the human body will not be compensated.
3. Personal insurance
Personal accident insurance covers external, sudden, non-disease, unintentional accidents, and rainstorms fit the bill perfectly.
Most comprehensive accident insurance policies cover three parts, accidental medical expenses, accidental disability and accidental death. Medical expenses include outpatient and hospitalization, most of which can only be reported within the social security, while a few can be not limited to social security coverage; accidental disability according to the level of disability to determine the percentage of benefits, from 10% to 100%; accidental death is a direct compensation of the sum insured.
In addition to comprehensive accidental, travel accident insurance can serve the same purpose.
Here is also a reminder that if you have an accident on the way to or from work, you can also go for Social Security's workers' compensation insurance.
Life insurance pays for the death of an insured person, regardless of whether the death is caused by illness or accident, so deaths caused by disasters such as rainstorms are also included in life insurance claims. The insurance company will pay out the benefits in accordance with the insurance contract.
Medical insurance can also cover part of the cost of hospitalization for an insured person's injuries. Generally speaking, the insurance company will reimburse the insured person's medical expenses according to the reimbursement ratio beyond the deductible in accordance with the contract.
Natural disasters are unpredictable, and the only way to prepare for them in advance is to protect ourselves, our families, and our property at the critical moment, and to ensure that our lives are not disproportionately affected by them.