At present, life insurance includes life insurance (term life insurance,
Whole life insurance, endowment insurance, etc. ), personal accident insurance, personal accident medical insurance and travel accident insurance generally include earthquake liability. In other words, once the insured dies or is disabled in the earthquake, he will get
Related compensation, injury, hospitalization, etc. will also be paid according to the contract. The reporter looked up the life insurance clauses of many insurance companies and found that most of the exemption clauses of personal insurance include war, military conflict, riot, nuclear explosion and so on.
Bombing, nuclear radiation, etc Included, but geological disasters such as earthquakes are not included.
Only the "special terms" of family property insurance can be compensated.
There are many journalists.
As can be seen from the clause of "Family Property Insurance" in the first paragraph, "all losses caused by the earthquake and its secondary disasters" are listed as exemption from liability. "Because of the large area damaged by the earthquake, the consequences are serious and the losses are immeasurable, the cost of post-disaster reconstruction far exceeds.
Beyond the solvency of the insurance company. Therefore, the personal houses and family property damaged in the earthquake can't be settled by any insurance company, so it can only bear the losses by itself. "The head of a large domestic insurance company told me.
However, some homeowners whose houses were damaged by natural disasters did not pay off their loans. As long as the "mortgage insurance" is insured, the remaining loans can be repaid by the insurance company.
"However, some large enterprises can stipulate in the' special terms' that the insurance company will compensate for the losses caused by the earthquake. The evaluation price is based on the average price after the earthquake in this city, but if the house has not been paid off, the insurance company will not settle the claim. " The person in charge said, however, because earthquake insurance is a catastrophe risk, the requirements for insurance companies are very strict.
Auto insurance can compensate for falling objects and smashing cars.
"do it!
Although almost all auto insurance products on the market at present indicate that earthquake losses are not covered, after the earthquake this year, some insurance companies have loosened up and may compensate the insured to a certain extent. "The reporter found that the car was damaged.
The insurance loss clause clearly stipulates that auto insurance can provide claims for car damage or casualties caused by ground fissures, mudslides, subsidence, typhoons and avalanches. "That is to say, if the vehicle is damaged by the earthquake, it is not without it.
There is room for discussion. If the owner can produce the certificate that the vehicle was damaged by falling objects from high altitude caused by the earthquake, he can claim compensation. "The person in charge of a car insurance company said.
Insurance can consider two major types of insurance.
that
Yao, what kind of insurance can come in handy when natural disasters such as earthquakes come? In this regard, Liu Bin, an insurance analyst, told reporters that although the earthquake disaster has not happened for decades, it is still necessary to plan ahead. Public priority
Considering "personal accident insurance", we should not only consider the simple compensation for death, but also consider the compensation for disability, and also consider the compensation for medical expenses and surgery expenses for accidental hospitalization. Secondly, we can also consider "property"
Insurance "to reduce the losses caused by disasters, such as mortgage insurance and car damage insurance.
No matter what kind of compensation, the premise is to buy insurance.