As we all know, at 22:55 on June 17, a magnitude 6.0 earthquake occurred in Sichuan Yibin City Changning County , with a depth of 16 kilometers.
Accompanied by the collapsed house and the strong tremor, fortunately the casualties were not particularly serious.
May God bless Sichuan and stay away from natural disasters.
Today we will briefly talk about how to use insurance to transfer earthquake losses?
The losses caused by earthquakes can be simply classified into two categories:
: the health and life expectancy of a person is the target, life insurance , accident insurance, medical insurance , etc.;
property insurance : the property is the target, and common are auto insurance, housing insurance, etc.
1. Personal casualties
1) If a person unfortunately died in an earthquake,
Accidental injury refers to an objective event that harms the body through an external, sudden, non-intentional, and non-disease.
The damage suffered by an earthquake is in line with the definition of accident, so accident insurance can be compensated.
Life insurance is simpler. As long as a person dies, he can pay it, whether it is an accident, disease or natural death.
So if you die due to earthquake , accident insurance and life insurance can be compensated.
Recommended friends in areas with high earthquakes such as Sichuan must configure an accident insurance, which is the most cost-effective.
2) If a person is in an earthquake, he is unfortunately disabled in .
If is completely disabled, life insurance compensation will be paid.
If it is , it is , and the accident insurance will be paid according to the disability level and the percentage of the insured amount.
If the earthquake disaster causes major disease (blindness, multiple limb loss, paralysis, deep coma, etc.)
meets the compensation requirements in the critical illness insurance contract, then critical illness insurance can be compensated.
Here you should note that death, disability, and serious illness is covered by hundreds of thousands of dollars!
If something happens to an earthquake, this money will be a timely help!
3) Medical Insurance
If a person is directly hospitalized due to an earthquake disaster, the medical expenses required are borne by the state, and the victims do not have to worry about medical expenses. However, if it is so serious that they need to be hospitalized for a long time and the medical expenses are high, if the injured have medical insurance, it will definitely be easier and easier to deal with.
2. Property Loss
1) property insurance
In fact, the earthquake disaster has the greatest impact on people, and the second is the house.
How many high-rise buildings have turned into ruins in an instant, and the losses are too great.
Many people’s understanding of insurance is limited to buying insurance for people. In fact, whether our vehicles or the house we live in, we can get insurance.
Unfortunately, because the risk and destructive power of earthquakes are too great, far exceeding the solvency of insurance companies , insurance companies are afraid to underwrite them easily, so most property insurance companies in the market will list earthquakes as disclaimer .
Some property insurances include earthquake liability, and may also require additional expenses. It is recommended that friends in Sichuan study more. If you can find which insurance company is willing to insure your house, then you are very lucky. Even if you spend more money, prevent problems before they happen!
2) Auto insurance
Auto insurance is also a very important property insurance, after all, there are more and more cars now.
However, earthquakes are also excluded from in auto insurance. , so vehicles destroyed in earthquakes will not receive compensation .
Of course, if you have car damage insurance , the terms "outside objects fall, collapse, storm, tornado" can obtain insurance compensation for vehicle losses. Since the direct cause of the falling object is an earthquake, there may be a risk of refusal. However, in such a large disaster, insurance companies will respond to national policies and make unified financing and compensation.
3.Written at the end
The older we are, the more we will be respectful of nature and life. We cannot resist large natural disasters such as earthquakes.
Review of previous earthquake cases. When responding to such natural disasters, the national government will implement rescue, all sectors of society will provide help, and company groups and even individuals will also donate. This is humanitarian sentiment , and it is also the responsibility of countries .
is the actual situation of the disaster and the relief situation. How much of these relief funds are truly reached by the affected people, and only the parties involved may be able to understand this.
Insurance is a commercial act and is reflected in insurance contracts with legal benefits. I believe that if the victim has insurance, the situation will be much better. May natural disasters become fewer and fewer, and every family be happy and fulfilled.
I hope today's article will be useful to you, and I also welcome to share it with partners in need.
