What kind of insurance policies are available to cover losses caused by pigeons? In addition to the government's catastrophe insurance, the public also needs to know that personal accident insurance, life insurance with death liability, corporate property insurance, home insurance, car insurance and other insurance policies can also pay out in the event of a catastrophe.
Catastrophe insurance
According to the typhoon level released by the meteorological department, the typhoon triggered a typhoon catastrophe payout for Yangjiang and Yunfu, two pilot cities of catastrophe insurance, with an expected payout of 12 million yuan and 10 million yuan, respectively, and the trigger for the heavy rainfall payout is being closely calculated, and the insurance industry in Guangdong has already prepared the relevant claims funding.
The so-called "catastrophe insurance" refers to the government through a series of protection system arrangements, will be due to typhoons, heavy rainfall, flooding, earthquakes and other disasters that may cause extensive personal and property damage risk of financial compensation. "In the face of sudden and large-scale natural disaster payouts, which are difficult for a single insurance company to undertake, institutional arrangements should be made through the national or governmental level to serve the purpose of risk diversification."
Since 2014, under the care and guidance of the provincial government, the Guangdong Insurance Regulatory Bureau has actively cooperated with the provincial Department of Finance and other relevant units to create the first catastrophe index insurance in the country and implement the provincial government's "ten practical things for people's livelihood."
In the second half of 2016, the catastrophe insurance formally landed in the east and northwest of Guangdong's 10 municipalities, centering around It is centered around three types of major disasters, namely heavy rainfall, typhoon and earthquake, and innovatively establishes an index model to pay out according to disaster parameters such as continuous rainfall, typhoon level and earthquake magnitude, providing risk protection of RMB 2.347 billion. By the time of this disaster, a total of 65.276 million yuan had been paid out in claims, playing an important role in the construction of the disaster relief system.
At present, Guangdong, Shenzhen and Ningbo have taken out catastrophe insurance, so even if the partners in these areas are not insured, do not panic, at least there is a government. However, industry insiders pointed out that "catastrophe insurance is currently somewhat similar to social security, the amount of protection is not enough economic compensation."
Life insurance, accident insurance
Life insurance, is a kind of life and death of people as the object of insurance. Accident insurance is caused by accidents (excluding disease causes) to the body injury (death, disability), etc., life insurance includes both accidental and non-accidental (meaning disease causes) injuries.
Therefore, life insurance can pay for any death caused by a typhoon; accident insurance can pay for any injury caused by a typhoon. It is worth noting that the public need to pay attention to when taking out accident insurance, whether it contains accidental injury medical responsibility, accident insurance coverage, the higher the better, but in fact, this amount of coverage generally only represents the coverage available at the time of death, but most of the accidents will bring medical expenses.
According to the Zhuhai News Network reported that at 16:00 on the 23rd, Zhuhai City, Xiangzhou District, White Rose Garden underground garage due to Typhoon "Pigeon" caused by seawater inversion, one person died in distress. After investigation, the person killed Kuang Mou in 1996 purchased China Life 99 Hongfu whole life insurance, and in 2004 to add the Corning term insurance, from 2014 onwards to add the State Life Xinfu Niannian, State Life Fortune Double Happiness and other 9 policies, the cumulative insured amount of more than 2.2 million yuan. These policies belong to critical illness insurance, financial portfolio plan and other life insurance, all of which are in the claims category.
In the evening of August 23, China Life Zhuhai Branch relevant staff have immediately drove to the family in the rain to console them, open a green channel for claims, simplify the claims procedures, abolish the limitation of designated hospitals, relax the identity proof, and provide pre-payment of claims service and other eight service initiatives.
Home insurance, enterprise property insurance
Whether it is a typhoon or a flood, the ground floor will inevitably face the risk of flooding, in addition to the gusts of wind caused by the collapse of the house is also a lot of ...... For these cases, home insurance, enterprise property insurance can provide a more effective and timely financial compensation.
For example, at 12:04 on August 23rd, PICC received a report from a chemical plant located in Jiujiang, Nanhai, Foshan City, which was affected by the "pigeon" and the collapse of the plant wall, and the non-automobile insurance surveyor arrived at the scene at the first time to learn more about the details, take photographs to obtain evidence, and confirm that no one was injured to assist the customer to deal with the scene, and the scene of a professional The loss assessment, from the accident to the determination of the compensation program, less than 4 hours. 24 morning of this case compensation 20000 yuan has been paid to the customer.
Homeowner's insurance, enterprise property insurance is not how much you can buy how much you can pay, follow the principle of compensatory, once the claim, based on the actual value of the property, the insurance more useless.
All kinds of car insurance
The new car insurance clearly includes typhoons and other natural disasters caused by car damage can be compensated. However, it is important to note that engine damage caused by water is not covered by car insurance. This situation will only be covered by the insurance company if you have purchased water-related insurance.
The damage to vehicles from the typhoon was undoubtedly particularly severe. Ping An General Insurance, PICC Property and Casualty Insurance and other major property and casualty insurance companies have launched a very fast claims program.
For example, Ping An auto insurance took only three minutes from the time it received the case to the time it arrived at the scene, and the fastest piece of auto insurance, which said a tree that was blown off by the wind smashed into a small car, took only 13 minutes from the start of the damage determination to the time it took for the claim to be settled.
Photo: Surveyors work together to move a tree for a quick survey.
Photo: Although the rain stopped, the water still didn't go down, so the surveyors and the rescue team had to use kayaks to rescue the victim.
Photo: A team of surveyors rushed to the scene to help customers rescue goods damaged in a warehouse insured by Tianan Property Insurance, braving the wind and rain until 1am.
Picture: Surveyors from the Guangdong branch of Pacific General Insurance rushed to the site in time during the typhoon
Picture: The Farming Insurance Department of the Guangdong branch of Sunshine Agricultural Insurance arrived at a farm in Nansha to survey the situation
Statistics on claims
In response to the typhoon, insurance companies have activated their emergency plans and opened a fast claims settlement service. In response to the typhoon, all insurance companies have activated their emergency plans, opened fast claims channels, and docked with roadside assistance and other providers to ensure timely rescue and acceptance of customer cases. A number of insurance companies have now disclosed relevant disaster relief data.
Ping An of China: As of 15:00 on the 24th, Ping An General Insurance Guangzhou Branch **** received 9228 car insurance reports, mainly distributed in Zhuhai 5343, Zhongshan 1059, Jiangmen 1097. Among them, 513 cases have been closed; Ping An Property and Casualty Insurance Guangdong Company *** received 525 property insurance reports (excluding report write-offs), the number of serious cases 9, with the conditions of the survey of 39 cases have been completed all the survey, the survey work has been carried out in full, the loss is being counted.
Additionally, Ping An Life released data showing that as of 15:50, four customers were reported to be injured in accidents due to the typhoon and were undergoing outpatient treatment.
PICC: As of 12:00 noon on August 24, PICC Guangdong *** received 11,078 reports of the typhoon, of which 9,844 were for auto insurance, 41 were for agricultural insurance, 980 were for property insurance, 33 were for homeowner's insurance, 37 were for engineering insurance, 35 were for marine insurance, and 67 were for other types of insurance. The number of insurance policies is expected to grow to 67 in other insurance categories.
China Dadi Insurance: As of 19:00 on August 23, China Dadi Insurance Guangdong Branch has received 1,043 insurance reports, and the investigation and loss determination work is now underway in an orderly manner. The company will pay close attention to the progress of the typhoon and, as always, focus on customers, do its best to protect customers' rights and interests, and assume the social responsibility of state-owned insurance enterprises.
China Taipao: As of 16:00 on the 23rd, China Taipao had received 1,371 property insurance reports, and two customers were hit by outdoor billboards blown down by the typhoon, resulting in one death and one injury; China Taipao completed the 1.3449 million yuan of personal insurance claims within 30 minutes.
Sunshine Insurance: As of 16:00 on the 23rd, the Guangdong branch of Sunshine General Insurance Company had received 856 reports of auto insurance and 29 reports of non-auto insurance.
Pacific Property and Casualty: As of 15:00 p.m. on Aug. 23, PIC*** had received 142 reports related to the typhoon, of which 117 were in Guangdong and 25 in Shenzhen.
Taikang Life, Tongfang Global Life, Everbright Life, Evergrande Life, China Life and many other insurance companies have also started their emergency plans to deal with the typhoon at the first time.