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The author:(作者)hpmailerpublished in(发表于) 2013/11/17 8:58:48 Plenary noted that catastrophe insurance system， reporters found the market the products
18 stated that the third plenary session "towards a catastrophe insurance system"
Reporter visited find market niche insurance products covering parts guarantee
Claims after disasters "additional risks" to fill
News feeds
Legal evening news (by Yi Duo) 18 of the party has approved the third plenary session of the CPC Central Committee on several major issues of comprehensive reform decision (referred to in the decision). The decision states that "economic compensation for complete insurance, building catastrophe insurance system."
Catastrophe insurance system, refers to the result of unexpected, unpredictable, unavoidable and particularly serious hazards such as earthquakes, hurricanes, tsunamis, floods, snow and ice caused by catastrophic accidents causing property damage, personal injury, granting of guarantee system of risk diversification.
18 of the party has approved the third plenary session of the CPC Central Committee on several major issues of comprehensive reform decision, pointing out that "economic compensation for complete insurance, building catastrophe insurance system." The news came out, sparking extensive discussion.
Reporters found that the disaster claims there is no specific insurance product sold, claims for losses caused by the disaster, many for life insurance, property insurance, the additional risks.
Review
Disaster insurance small
8 magnitude earthquake in Wenchuan, Sichuan province, five in Southwest province Sichuan yaan earthquakes, typhoons, droughts, "rabbit", "Buffett" ... ... In recent years, a number of natural disasters occurring in our country, every time disaster strikes caused casualties and property losses on the ground.
After a disaster, property reimbursement questions surfaced, catastrophe insurance will become a hotly debated topic. Insiders pointed out that after the disaster, people first think of Government assistance and compensation, but these are not sufficient to cover the loss brought about by the disasters. Decentralized risk areas as critical role insurance has failed to give full play to help the victims of an effective remedy for loss of function.
Natural disaster insurance
The Wenchuan earthquake
Insurance proceeds to 1.806 billion yuan, accounted for only 0.2% per cent of total economic losses. In a claims process, the insurance industry has taken "personnel property, after first group" principles of claims, giving priority to pay rural housing insurance, student insurance and other types of focus
Drought drought in five provinces in Southwest China are mainly agricultural insurance claims
Typhoon "rabbit" is auto insurance, property insurance, accident insurance claim
Status quo disaster loss claims for additional risks
At present, the market has not been specifically directed at claims by natural disasters on insurance sales, legal evening news reporter found that some products such as life insurance, accident insurance, the additional risks covering some disaster coverage.
Insurance network of staff member said currently the insurance line of insurance products, life insurance products are catastrophes such as earthquakes, tsunamis, mudslides covered in safeguards within the range, but appear as additional risks.
Commitments such as Allianz life insurance products to cover death occurred because of earthquakes and other natural disasters, accidents and other risks. Guarantees for additional risks of natural disasters such as earthquakes, mudslides. "For example, in Beijing, in addition to life insurance to buy additional risks of disasters such as the earthquake is not much. Because most people think it is a small probability of the event. "Ping an property insurance staff said this morning.
PICC, Pacific insurance said one sales manager, under normal circumstances, except for earthquake insurance is liability, insurance provisions, losses caused by the tsunami, compensable. "For example, the ' Rabbit ' disasters, car insurance payments accounted for a large portion of insurance payments. ”
According to media reports, ping an property insurance available for "earthquake insurance." Reporter the morning call ping an property insurance, researchers said, earthquake insurance is not yet online, is currently receiving "notice" is expected, or on-line at the end of December.
Analysis of "catastrophe insurance" implementation requires the Government to promote
Enthusiasm for catastrophe insurance commercial insurance companies are not high, "catastrophe insurance to insurance companies is immense financial pressure, if there is no Government forces, insurance companies do not offer to business catastrophe insurance. "A casualty company Middle Manager said.
Capital University of Economics and business Professor Tuo Kunitaka believes that general corporate casualty, although additional seismic risk, but high rates and compensation less; family property insurance and motor vehicle insurance General exclusions as earthquake risk. Therefore, people tend to the Government's financial subsidy rather than to buy insurance. "As a result, needs Government intervention or guidance. ”
China property reinsurance company General Manager and the Jubilee pointed out that at present catastrophe risk dispersed mechanism has not been established, catastrophe protection difficult to achieve sustained and stable support, should establish an insurance system, including the reinsurance community, through a secondary risk sharing reinsurance community platform.
Related
At present, Yunnan in catastrophe insurance schemes are being developed. According to related sources, the insurance is a policy insurance, pilots tentatively in Chuxiong, the subject matter for rural housing.
The catastrophe insurance scheme design of Shenzhen Government's blanket insurance + business insurance "tiered protection" System. Government bailout insurance catastrophe insurance's first tier, second tier commercial catastrophe insurance.
Text/reporter Yi Duo
十八届三中全会指出“建立巨灾保险制度”
记者走访发现 市场无专门产品 寿险产品涵盖部分保障
灾害后理赔 “附加险”补缺
新闻提要
法制晚报讯(记者 易朵) 党的十八届三中全会日前通过《中共中央关于全面深化改革若干重大问题的决定》(简称《决定》)。《决定》指出“完善保险经济补偿机制，建立巨灾保险制度”。
巨灾保险制度，是指对由于突发性的、无法预料、无法避免且危害特别严重的如地震、飓风、海啸、洪水、冰雪等所引发的灾难性事故造成的财产损失和人身伤亡，给予切实保障的风险分散制度。
党的十八届三中全会日前通过《中共中央关于全面深化改革若干重大问题的决定》，指出“完善保险经济补偿机制，建立巨灾保险制度”。消息一出，引发广泛讨论。
记者采访发现，目前还没有专门针对灾害理赔的保险产品出售，对于灾害所造成的损失理赔，多为寿险、财险的附加险。
回顾
灾害赔偿 保险作用小
四川汶川8.0级大地震、西南五省旱灾、四川雅安地震、台风“天兔”、“菲特”……近些年，在我国发生了一些自然灾害，每次灾害来袭给当地造成了人员伤亡和财产损失。
灾难过后，财产的赔付问题浮出水面，巨灾险就成为热议话题。有业内人士指出，灾害发生后，人们最先想到的便是政府援助和补偿，但这些并不足以弥补灾害所带来的损失。而作为分散风险环节关键作用的保险却没能充分发挥帮助灾民有效补偿损失的作用。
自然灾害 保险理赔情况
汶川地震
保险赔款为18.06亿元，仅占总经济损失的0.2%左右。在理赔过程中，保险业采取了“先人员后财产、先个人后团体”的理赔原则，优先赔付农房保险、学生保险等重点险种
西南五省旱灾 主要是农业保险旱灾理赔
台风“天兔” 主要是车险、财产险、意外险方面的理赔
现状 灾害损失理赔 多为附加险
目前，市场上尚未有专门针对自然灾害理赔的保险销售，法制晚报记者采访发现，一些寿险、意外险等产品的附加险涵盖了部分灾害保障。
中民保险网的工作人员称，目前合作的保险公司上线的保险产品中，一些寿险产品，都将地震、海啸、泥石流等巨灾涵盖在保障范围之内，但是以附加险的形式出现。
如安联寿险产品承诺，承保因地震等自然灾害而发生的身故、意外伤害等风险。但地震、泥石流等自然灾害的保障为附加险。“比如在北京，在寿险之外再买地震之类灾害附加险的不多。因为多数人认为这是小概率事件。”平安产险的工作人员上午表示。
至于财险方面，太平洋车险的一位销售经理称，一般情况下，地震在车险中是除外责任，但在车险规定中，海啸造成的车辆损失可以获赔。“比如这次‘天兔’灾害，车险赔付占保险赔付中很大一部分。”
而据媒体报道，平安产险已推出“地震险”。记者上午致电平安产险，相关工作人员称，地震险尚未上线，目前只是接到“内部通知”，预计或在12月底上线。
分析 “巨灾险”实施 需要政府推动
商业保险公司对巨灾保险的积极性不高，“巨灾险对保险公司来说是巨大的资金压力，如果没有政府力量推动，保险公司不会主动经营巨灾险。”一位财险公司中层管理人员说。
首都经贸大学教授庹国柱认为，一般的企业财险虽可附加地震风险保障，但费率高且赔偿金额较少；家庭财险和机动车险一般把地震风险列为除外责任。因此，民众倾向于政府的财政补贴而不愿购买保险。“因此，需要政府的参与或引导。”
中国财产再保险股份有限公司总经理和春雷指出，目前巨灾风险的分散机制还未建立，巨灾保障难以获得持续稳定的支持，应该建立一个再保险体系，包括再保险共同体，通过再保险共同体平台进行二次风险分散。
相关
目前，云南巨灾保险方案正在制定中。据相关人士透露，保险方式是政策性保险，试点地点暂定为楚雄地区，保险标的为农房。
深圳的巨灾保险方案设计了政府统保+商业保险的“分层保障”制度。政府的救助保险是巨灾保险的第一层，第二层为商业巨灾保险。
文/记者 易朵
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