The earthquake is coming, people are fine, but what should I do if the house collapses?
The insurance of the past is only concerned with people, no matter the house. At present, Sichuan Province has identified Mianyang, Yibin, Leshan and Ganzi as the first batch of pilot cities and prefectures for urban and rural residents' housing earthquake insurance. On November 23, the pilot project for urban and rural residential housing earthquake insurance for Sichuan Province was launched in Leshan. The province's first urban and rural residential earthquake insurance policy was also signed on site. So the question is, who will pay for the insurance? What is insurance covered? Can you really pay for it? Who pays for the premium of
? Government subsidies of 60%
According to the pilot plan, policyholders in the pilot areas of bear 40% of the premium expenditure, and finance at all levels provide 60% of the insurance premium subsidy. Among them, the provincial finance and municipal (prefecture), county (city, district) finance each bear 30% of the insurance premiums. The minimum self-paid premiums involved in rural scattered households, urban and rural minimum living allowances, and poor disabled people are fully borne by the finance department, and the provincial finance department and municipal (prefecture), county (city, district) finance department each bear 50%.
Leshan pilot work implements premium subsidies with corresponding proportions of finance at the municipal and county levels. In terms of premium composition, ordinary urban and rural residents bear 40% of the premium, the provincial finance provides 30% premium subsidy, and the municipal and county finance provides 30% premium subsidy. The minimum self-paid part of the premiums involved in rural scattered households, urban and rural minimum living allowances, and poor disabled people will be borne by the provincial finance and municipal finance each with a full subsidy.
Take the urban housing insurance amount in Leshan City as an example. The insurance premium is 60 yuan per household, of which the fiscal subsidy is 36 yuan, and the individual pays 24 yuan. The insurance time is 1 year. The rural housing premium is 76 yuan per household.
Sichuan Province's first urban and rural residential housing earthquake insurance policy
What are the insurance coverage? Residential housing does not include indoor property. The pilot plan clearly states that the insurance target is: permanent houses owned by residents in the pilot area, used for living and long-term living, and does not include indoor and outdoor ancillary facilities and indoor property.
Insurance liability includes: direct losses of insured subjects with damage levels III (i.e., moderate damage) and above in areas with intensity VI and above. Pilot areas can also adjust and increase insurance liability based on local actual conditions. How to compensate for the loss of
? According to the plan, the maximum compensation of 150,000 yuan
According to the pilot plan, the insurance amount is reasonably designed in combination with the main structure of the local housing, the average rebuilding cost, etc. The amount of rural housing insurance is set to three levels: RMB 20,000 per household, RMB 40,000 per household and RMB 60,000 per household; the amount of urban housing insurance is set to three levels: RMB 50,000 per household, RMB 100,000 per household and RMB 150,000 per household.
In Leshan, which was the first to launch the pilot, the insurance amount and insurance premium were uniformly selected for the city's insurance level in the first year. is insured according to the minimum insurance amount, with the rural housing insurance amount of 20,000 yuan per household and the urban housing insurance amount of 50,000 yuan per household. The remaining pilot areas have not yet been launched.
Compensation Standard: Direct losses of the insured subject matter within the scope of insurance liability shall be determined according to the national standard "Grade of Earthquake Destruction of Buildings" (GB/T 24335-2009) for Class V (i.e. destroyed) and Class IV (i.e. severely damaged) housing, and losses shall be determined at 100% of the insured amount for Class III (i.e. moderately damaged) housing, and compensation shall be paid according to the insurance compensation mechanism and risk sharing mechanism.
Insurance premium rate: According to factors such as earthquake risk in the pilot area, the types of private housing building structures, four insurance premium rates in cities and rural areas are designed based on the units of cities (prefectures).
PICC Property Insurance's quotation includes direct premium rate, re-present rate and 20% premium earthquake fund arrears. If the re-insurance rate is different from the re-insurance company's quotation, the difference will be adjusted accordingly.
According to the possibility of earthquakes and the degree of damage, the 21 cities and prefectures in the province are divided into 4 levels according to the risk level. The first level is Aba, Ganzi, Liangshan; the second level is Chengdu, Ya'an, Panzhihua, Leshan, Deyang, Mianyang; the third level is Guangyuan, Zigong, Neijiang, Meishan, Yibin; the fourth level is Suining, Nanchong, Luzhou, Guang'an, Dazhou, Bazhong, and Ziyang. That is to say, the higher the risk area, the higher the underwriting rate.Where does
come from? The first phase of start-up funds will be 20 million
According to the pilot plan, a Sichuan earthquake insurance fund will be established, with funds involving government appropriations, insurance premiums, social donations and other aspects. The first period of will be allocated 20 million yuan as the start-up capital, which will be 50% of the provincial finance and the municipal (prefecture), county (city, district)-level finances in the pilot areas. After , the finance will be allocated according to the situation and transferred in according to the premium ratio. Among them, on the premise of complying with the relevant fiscal and tax management system, the undertaking company shall transfer funds to the earthquake insurance fund at 20% of the annual actual premium paid for housing earthquake insurance for urban and rural residents in Sichuan Province.
Leshan Municipal Finance Bureau, in accordance with the requirements of the Provincial Finance Department, will arrange a certain amount of funds to transfer them every year depending on the situation.
The pilot project of urban and rural residential housing earthquake insurance is implemented in Sichuan, indicating that Sichuan Province has taken an important step in the exploration of catastrophe insurance, which is also an institutional arrangement that correctly plays the role of the market and the role of the government.
How do you compensate for earthquakes in other places? Shenzhen
In July 2014, the first domestic catastrophe insurance pilot was officially launched in Shenzhen. The insurance was invested by the Shenzhen Municipal Government to purchase catastrophe insurance services from commercial insurance companies for 36 million yuan. It is used for personal casualty assistance and nuclear emergency transfer assistance for all personnel in Shenzhen when the catastrophe occurs. The total compensation limit for each disaster is 2.5 billion yuan. The types of disasters that catastrophe insurance mainly include storms, heavy rains, cliff collapses, thunder strikes, floods, tornadoes, squat lines, typhoons, tsunamis, mudslides, landslides, sinkings, hail, waterlogging, earthquakes with a main earthquake magnitude of 4.5 or above and secondary earthquake disasters, as well as the risk of nuclear accidents caused by the above 15 disasters. The targets for assistance include registered population, permanent population, and temporary business trips, travel, and work. In addition, considering the possible nuclear safety risks that the Daya Bay Nuclear Power Plant has brought to Shenzhen, Catastrophe Insurance has also made targeted arrangements.
Yunnan
htmlOn August 20, the first pilot project of agricultural earthquake insurance in the country was launched in Dali Bai Autonomous Prefecture, Yunnan Province. During the pilot period, the provincial, prefecture and county governments will fully bear the insurance premium. The compensation limit for rural housing insurance (index insurance) ranges from 28 million yuan to 420 million yuan, making insurance compensation a supplementary role in disaster relief under different magnitudes. The compensation limit for residents' insurance (earthquake disaster relief insurance) is 100,000 yuan per person, and the cumulative insurance death compensation limit is 80 million yuan per year.Japanese
Japan earthquake insurance is divided into residential and commercial. The commonly referred to as earthquake insurance refers to policy-based residential earthquake insurance, and other commercial earthquake insurance is provided through the commercial insurance market. The main objects of insurance include residential buildings and household property for daily necessities.
Japan's catastrophe insurance system is designed to target various natural disasters. Fires, lightning strikes, typhoons, snow disasters, floods, etc. are all within the scope of fire insurance, but the damage caused by earthquakes, volcanic eruptions, and the tsunamis, fires caused by this are not the target of fire insurance compensation. Joining earthquake insurance must be matched with joining fire insurance or comprehensive insurance, and cannot be added separately.
Japan earthquake insurance premium rate is based on the standard rate and is adjusted according to the conditions such as regional level, construction years, building type and seismic resistance. Based on the evaluation of earthquake risk, Japanese regional units are divided into four levels and eight rate levels based on the earthquake risk, with the basic rates ranging from 0.05% to 0.313%. The earthquake insurance premium rate is based on the standard fee rate, and a certain ratio discount is made based on the building age, earthquake resistance level and regional differences of the building.
As the attention to catastrophe insurance and earthquake insurance continues to increase, insurance companies on the market have already launched innovative commercial earthquake insurance insurance products.
Ningxia PICC Property and Casualty Insurance:
provides urban residents with savings income, comprehensive family property protection, earthquake protection and earthquake death protection. The savings amount is 5,000 yuan per share, the insurance period is three years, the comprehensive household property protection amount is 100,000 yuan, the earthquake protection amount is 80,000 yuan, and the earthquake death protection amount is 50,000 yuan.
provides insurance products with no income, comprehensive family property protection, and family property earthquake protection provided by rural residents. The savings amount is 1,000 yuan, the insurance period is three years, and the coverage amount is 24,000 yuan. When the insured's house and indoor ancillary facilities suffer from 17 natural disasters, accidents, such as earthquakes, fires, explosions, floods, typhoons, or dies due to earthquakes, corresponding compensation can be obtained. After the insurance period expires, regardless of whether the insured has received insurance compensation, the investment principal can be returned according to the specific insurance plan.
Yangzhou PICC Property and Casualty Insurance:
Designed four different product types A, B, C, and D for different users of urban and rural families. Each product provides coverage plans for different risk insurance amounts according to the dimensions of earthquake risk differences, house structure, etc. If earthquakes with a magnitude of 5 or above and an intensity of Ⅵ or above are compensated, losses incurred in interior decoration, indoor property and ancillary buildings are not within the scope of compensation. The scope of protection is divided into earthquake responsibility and other responsibilities. The other 16 responsibilities include fire, explosion, thunder, heavy rain, flood, storm, tornado, hail disaster, typhoon, blizzard, ice, sudden landslide, cliff collapse, mudslide, sudden sinking of the ground, and falling flying objects and other airborne objects.
Sichuan Daily Observation Client Reporter Lu Wei Zhang Xuewen
Editor: Huang Ying
