As of August 24th 14, Guangdong insurance industry has received 4 disaster-related reports, with losses of1210 million yuan, including 37,000 auto insurance reports and losses of 280 million yuan. Agricultural insurance reported 140, with a loss of 70 million yuan; Other property insurance reported 4,000 cases, with a loss of 850 million yuan; 24,000 surveys have been completed.
This year's No.1 13 typhoon "Tian Ge" (strong typhoon level) has not left, and Guangdong insurance workers have gone to the front line of the disaster area. Insurance surveyors dressed in eye-catching colors have become the busiest group of people that reporters have seen in the disaster area.
Careful deployment and emergency response
Typhoon Tian Ge landed in Jinwan District, Zhuhai, Guangdong Province on August 23rd, which is the strongest typhoon to land in China this year. Affected by the typhoon, Guangdong, Guangxi, Fujian, Hong Kong, Macao and other places were affected, especially Zhuhai, Guangdong Province. As of 24th 14, Typhoon Tian Ge has caused 16 deaths, including 4 in Zhuhai, 3 in Zhongshan, 0 in Jiangmen and 8 in Macau.
Vehicles submerged in the sea are waiting for rescue.
Guangdong insurance industry attaches great importance to it. Under the unified deployment of Guangdong Insurance Regulatory Bureau, arrangements will be made before the arrival of the typhoon. Insurance companies in disaster-stricken areas race against time to carry out impairment, survey and claim settlement as quickly as possible, and strive to give full play to the functions of disaster prevention and early warning and economic compensation of the insurance industry.
The first is to start the typhoon warning mechanism. After the Central Meteorological Observatory issued the blue typhoon warning on August 2 1, Guangdong Insurance Regulatory Bureau quickly launched the pre-disaster warning mechanism, specially assigned personnel to track the typhoon trend, and required all insurance companies to make full preparations for disasters. Insurance companies use WeChat, telephone, SMS and other means to prompt disaster risks, provide safety precautions, and do a good job in disaster prevention and loss prevention.
The second is to start the disaster response mechanism. During the typhoon, all insurance companies should be on duty 24 hours a day, keep the service telephone open, and the survey and claim settlement personnel are on standby at any time to deal with emergencies in time.
The third is to do a good job in post-disaster claims service. All insurance companies co-ordinate the allocation of the province's claims resources, immediately open a green claims channel, do their best to provide claims services in the affected areas, speed up claims, and help the people resume production and life as soon as possible after the disaster.
The fourth is to strengthen the supervision of claims. The Guangdong Insurance Regulatory Bureau set up a typhoon response steering group to carry out special inspections and inspections of post-disaster claims, and sent a working group to the most affected areas for supervision at the first time to organize the industry to do a good job in claims service; At the same time, we will start the work submission mechanism, strengthen the tracking of claims, and require all insurance companies to submit the progress of claims regularly from the day after the typhoon to ensure the smooth progress of claims after the disaster.
Cars were hit by typhoons and huge waves in trees on the roadside, and Pacific Insurance surveyors were assisting municipal workers in sawing tree rescue vehicles.
The Shenzhen Insurance Regulatory Bureau also released typhoon warning information to the society in a timely manner to guide the insurance industry to quickly respond to typhoon and rainstorm disasters, requiring industry organizations and insurance company websites and official WeChat accounts to publish typhoon warning tips and disaster response guidelines to guide disaster prevention and loss prevention and enhance consumers' awareness of disaster prevention and loss prevention; Get in touch with the emergency office of the municipal government and the emergency command center, establish a coordination and cooperation mechanism, and participate in the rescue and relief team; Start the Class I emergency response of Shenzhen insurance industry disaster, and the main leaders of insurance companies stick to their posts, investigate risks and organize disaster prevention and rescue; At the same time, establish a green channel for typhoon insurance claims, adhere to the principle of first rescue and then special affairs, reduce claims procedures and improve the efficiency of rescue claims.
More than 50 insurance convenience service teams rushed to the disaster area.
In Zhuhai, the worst-hit city, the insurance industry is racing against time. In the case of large-scale water and power outages and serious road congestion in this area, Zhuhai Insurance Industry Association immediately organized local insurance practitioners to form a convenience service team of nearly 50 people, and went deep into various communities in Zhuhai to appease the affected people, register the disaster situation and accept insurance reports; At the same time, 69 convenience service points were set up to provide insurance services for the residents of the city.
In Zhuhai community, which suffered the most from Typhoon Tian Ge, the claim adjuster of China PICC P&C Guangdong Zhuhai Branch went deep into the underground garage of the community with a flashlight to investigate the flooding of vehicles.
When interviewed in Zhuhai, the reporter saw that Jiuzhou Port in Zhuhai was in a mess due to the typhoon, and the post-disaster recovery and reconstruction work has not been fully carried out; Jiuzhou Airport in Zhuhai is seriously affected by the sea. Many helicopters were damaged by seawater, and the ceiling of helicopter hangar was directly lifted, causing damage to hangar and helicopter. As the main contractor, PICC Zhuhai Branch has set up a claim service point.
PICC P&C Insurance, Ping An Property & Casualty Insurance and Pacific Insurance all set up service points at Jiuzhou Airport in Zhuhai, which was seriously affected by the disaster.
In the typhoon of Wal-Mart parking lot in Humen Town, Dongguan, due to the backward flow of seawater, the claims personnel of PICC P&C Dongguan Branch immediately went to the scene to station and carry out rescue. Claim adjuster Liang provides consultation, rescue, claim settlement, service and registration for customers at the temporary service point, and signs a vehicle scrapping agreement with customers on the spot to keep the vehicle keys. After pumping is completed, the trailer will be damaged and has been working continuously for more than 20 hours.
As of August 24th 12, PICC Guangdong Branch received a total of typhoon Tian Ge 1 1078, including 9844 auto insurance cases.
After the disaster, China Life Insurance (quotation: 28. 14+1.63%) Guangdong Branch issued disaster reporting guidelines as soon as possible, and offered services on its own initiative. In Zhuhai City, which was seriously affected by the disaster, China Life Zhuhai Branch launched eight service measures, such as actively looking for customers, accepting reports through multiple channels, simplifying the application process, making claims on WeChat online, exempting from providing original insurance policies, canceling the restrictions on designated hospitals, relaxing identity certificates, canceling and optimizing death certificates, and providing prepaid compensation services. During the investigation, 1 the customer died in distress due to seawater backflow, and the company took the initiative to come to the door to help handle the claim, and will deliver it as soon as possible after the customer confirms it.
Ping An Property & Casualty Guangdong Branch paid in time after receiving the report. According to statistics, as of press time, 9228 auto insurance reports were received, mainly in Zhuhai, reaching 5343. Among them, 5 13 cases have been closed, and the payment can be completed in 15 minutes at the earliest.
The person in charge of the Property Insurance Department of Guangdong Insurance Regulatory Bureau, which is supervising the claim settlement work in the disaster area, said that Guangdong has established a well-functioning post-disaster insurance survey and claim settlement service mechanism. Basically, where there is a disaster, there are insurance personnel to provide services.
When the reporter accompanied the surveyor of PICC China to investigate the vehicle damage in Baisen Garden Community, Zhuhai, many community owners took the initiative to learn about the insurance-related situation, and the surveyor also took the initiative to provide recording, investigation and claim settlement services.
The insurance surveyor went to Baisen Garden Community, which was seriously affected by the disaster, to investigate the situation, and the residents who were helping the disaster next to him took the initiative to ask the surveyor about the insurance situation.
Help enterprises to recover and rebuild.
According to the news released by Guangdong Insurance Regulatory Bureau, as of June 24th 14, Guangdong insurance industry had received 4 1 10,000 disaster-related reports with losses of 12 1 10,000 yuan, including 37,000 auto insurance reports with losses of 280 million yuan. Agricultural insurance reported 140, with a loss of 70 million yuan; Other property insurance reported 4,000 cases, with a loss of 850 million yuan; 24,000 surveys have been completed.
As an important region of Guangdong-Hong Kong-Macao Greater Bay Area, Zhuhai's real economy is an important foundation for its development. In this typhoon, Zhuhai's industry has also been greatly affected.
According to Huang, secretary-general of Zhuhai Insurance Industry Association, as of the evening of 24th, Zhuhai insurance companies had received 22,900 auto insurance reports, with an initial estimated loss of 6,543.8+62 million yuan. Since the report of non-vehicle property insurance 100 1, the estimated loss is 292 million yuan. Considering that property insurance, especially car damage cases, are very concentrated, regional water and power outages and road congestion are more serious, and the number of follow-up reports will continue to increase.
Zhuhai Jinwan Wharf, yachts and pontoons were attacked by typhoons and waves. According to the person in charge of the dock, the yacht and dock facilities have been insured, and the claim investigation will be conducted after the typhoon has completely passed.
After the typhoon, the heads of Guangdong Branch and Zhuhai Branch of major insurance companies rushed to the scene to understand the disaster situation and serve the affected enterprises to reduce losses, survey and settle claims.
According to the reporter, Gree Electric, a star enterprise in Zhuhai, was also hit by a typhoon, and a factory was seriously damaged. Xie, general manager of PICC P&C Zhuhai Branch, immediately entered the affected plant area to assist in loss reduction, survey and claim settlement. At present, the initial estimated loss has exceeded 50 million yuan.
Sany Ocean Heavy Industry, the vanguard of the "Belt and Road" equipment "going out", was seriously damaged in this typhoon, and its tire container gantry crane and other equipment exported to India were damaged. Xie Yue, the general manager of Kowloon Insurance, rushed to the scene as quickly as possible to provide services to customers, and paid him 500,000 yuan in advance as soon as the typhoon occurred to support post-disaster reconstruction.
About 5,000 mu of sugarcane in Nanfeng Village, Haiyan Haiqiao Farm, Taishan City was affected by the "Tian Ge". Sunshine Agricultural Mutual Insurance Guangdong Branch arrived at the scene at the first time to investigate and determine the damage and provide services for farmers.
About 5,000 mu of sugarcane in Nanfeng Village, Haiyan Haiqiao Farm, Taishan City was affected by Typhoon Tian Ge, and Guangdong Branch of Sunshine Agricultural Mutual Insurance Company arrived at the scene at the first time to investigate and determine the damage. (photo by Lu Shengbo)
In the process of helping enterprises to recover and rebuild, the insurance industry has played an irreplaceable role, and its role in serving the development of the real economy is prominent.
Catastrophe index insurance is 22 million yuan in advance.
According to the typhoon level issued by the meteorological department, Typhoon Tian Ge caused typhoon catastrophe compensation in Yangjiang and Yunfu, Guangdong. The estimated compensation amount is120,000 yuan and10,000 yuan respectively. The trigger of heavy rainfall compensation is being closely measured, and Guangdong insurance industry has prepared relevant compensation funds.
Guangdong Catastrophe Index Insurance is the first in China, and it officially landed in Guangdong, East and West 10 cities in the second half of 20 16. The insurance innovatively established an index model around the three disasters of heavy rainfall, typhoon and earthquake, and paid compensation according to disaster parameters such as continuous rainfall, typhoon level and earthquake magnitude, providing risk protection of 2.347 billion yuan. Up to this disaster, 65.276 million yuan of compensation has been paid, which has played an important role in the construction of disaster relief system.
Establishing and perfecting catastrophe insurance system is a long-term work. From 20 17, the pilot work of catastrophe index insurance will be gradually rolled out in the whole province. At present, the provincial catastrophe insurance coordination group is actively promoting this work. Guangdong Insurance Regulatory Bureau will actively cooperate with the Provincial Department of Finance and other relevant departments to further optimize the system design, improve the insurance service level, improve the multi-level disaster relief system, enhance the ability to resist natural disasters and better serve local economic and social construction on the basis of summing up the pilot experience last year.
Affected by the typhoon, Zhuhai China Mobile Global Building was damaged by seawater intrusion and typhoon, which caused a large area of telephone network interruption in Zhuhai. After the disaster, the insurance company rushed to the scene to understand the losses.