It never occurred to me that marathon would cause so many casualties. This is a shocking race in the world marathon.
At present, the 1000 of Huanghe Property Insurance Company has arrived. This is compensation for group accident insurance. Generally, the limit of group accident insurance is relatively low. The insured amount this time is 500 thousand. In addition, there were 30,000 unexpected medical treatments and 654.38+10,000 sudden diseases.
If injured athletes have accident insurance, they can pay with group accident insurance. However, you need to pay attention to the exemption clause of accident insurance. The screenshot below does not mention that the marathon is not paid.
In addition, we can see that accident insurance does not compensate for accidents caused by drinking, which also needs everyone's attention.
In the past marathon, sudden death accidents often occurred, but unfortunately, accident insurance did not pay, nor did group accident insurance.
Because the definition of "accident" in accident insurance is that external, sudden, unintentional and non-disease objective events are the direct and separate causes of physical injury.
Sudden death is a disease and does not meet this definition.
However, if the accident insurance is specially attached with the protection of "sudden death", you can get compensation.
The natural disaster relief insurance pays 2.3 million yuan, and the underwriting companies are PICC P&C Insurance, China Life Insurance, Ping An Property Insurance and Huanghe Property Insurance.
Let's take a look at how insurance paid for natural and man-made disasters in the past.
Yunnan m 6.4 earthquake
Just a few days ago, a 6.4-magnitude earthquake occurred in Yangbi County, Dali Prefecture, Yunnan Province, which directly killed 3 people, injured 28 people and slightly injured 8 people. In addition, many roads and bridges suffered losses.
According to public information, the insurance paid 40 million yuan, the other three victims each received 654.38+million yuan, and 26 insurance companies started emergency rescue.
Suez Canal, the Great Blockade Ship of the Century
This year's century "big gambling boat" on the Suez Canal also made insurance companies cry.
On March 23, a heavy cargo ship was caught in a strong wind and sandstorm when entering the Suez Canal, resulting in an average loss of 400 million yuan per hour in global trade.
Of course, the direct losses caused by the ship itself are also very heavy. According to an insider, the loss of the hull was $654.38 billion, the loss of canal operation was $654.38 billion, and the rescue cost was $300 million, totaling $520 million, which will probably be borne by the insurance company.
South Korea sk Hynix Wuxi factory fire
South Korea's sk Hynix is the second largest DRAM chip manufacturer in the world, and the output of Wuxi factory accounts for 1/2 of Hynix's total output in 20 13 years.
On September 4, 20 13, a fire broke out in Hynix Wuxi factory, with a fire area of 2,500 square meters, and a large number of equipment were damaged. According to the appraisal, the property loss caused by the fire is about $6,543.80 billion.
In the end, $860 million was compensated by the insurance company, and the remaining $654.38 billion was borne by Hynix Company and Chengdao Company.
The losses caused by the Wuxi factory fire to the insurance industry are even more serious than the Wenchuan earthquake. In the 2008 Wenchuan earthquake, insurance paid 2 billion yuan.
The insurance companies underwriting Hynix include Modern Property Insurance Company, People's Property Insurance Company, Pacific Property Insurance Company, Dida Property Insurance Company and Le Ai Jin Property Insurance Company. In addition, these five insurance companies have also made reinsurance arrangements.
At the beginning, Hynix's insurance premium was astronomical, 3.4 million yuan. However, compared with the losses compensated by insurance companies, it is nothing to mention.
Tianjin Tanggu Big Bang
2065438+On the afternoon of August 2, 2005 1 1 There was a shocking explosion in Tanggu, Tianjin.
A * * * 165 people died, 8 people were missing, 798 people were injured, 304 buildings,12,428 commercial vehicles and 7,533 containers were damaged. According to statistics, the direct economic loss caused by the accident is tens of billions. According to some organizations, this is the worst disaster in China in recent years.
According to the statistics of the insurance industry, the accident insurance company had more than 6,000 accidents and paid more than 6,543.8 billion yuan.
The reason why there are a large number of reinsurance companies on it is because reinsurance companies bear the risks of insurance companies.
9 1 1 event
200 1 1 On September 65438, terrorists hijacked planes and attacked the Pentagon and World Trade Center in the United States, causing thousands of deaths, shocking the world and causing heavy losses to insurance companies. The amount of compensation once exceeded $43 billion.
Among them, Munich Reinsurance Company, Swiss Reinsurance Company and Lloyd's Insurance Company of London each paid $2 billion.
It is said that after this incident, AXA Group directly cancelled the underwriting of the 2002 World Cup in Japan and South Korea, and the aviation insurance premium increased by 459%.
In fact, the role of insurance is very great, which can not only transfer risks for us personally, but also reduce the losses of enterprises and the government and maintain the stability of the whole society.
If you trust me personally, you can get an insurance plan.