Disaster prevention and mitigation insurance industry is looking forward to the "upper"
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| Updated：2012.12.30 Source：Zhejiang Fujie Fire fighting Equipment Co.,Ltd. Clicks： |
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As in recent years of frequent natural disasters, the insurance industry Helpless warriors "skills" a rapid response to natural disasters. When natural disasters occur, the affected areas of insurance regulatory and insurance companies, insurance firms, between the head office and branch company is often the first time you start up and down linkage mechanism, disaster relief and insurance claims for many measures to open up between the agencies "impeding".
According to Fu Jie Fire Equipment learn from foreign experience in the face of natural disasters, the insurance industry is promising. The data show that the Munich Reinsurance Company, 2008, Hurricane Ike disaster caused by a loss of $ 38.3 billion and insured losses of $ 18.5 billion, accounting for up to 48.3% of insured losses; caused by Hurricane Katrina in the United States $ 125 billion loss in 2005 , insured losses amounted to $ 62.2 billion, the insurance payments accounting for up to 49.8%; 1994, United States Los Angeles earthquake caused a loss of $ 44 billion and insured losses of $ 15.3 billion, insured losses accounted for 34.7%.
Contrast China in 2008, China in total economic losses caused by natural disasters reached $ 113 billion, including snow disasters caused losses of $ 21 billion, with insured losses of nearly $ 1.2 billion, the insured losses accounting for 5.7%; caused by the earthquake in Wenchuan loss of $ 85 billion and insured losses of nearly 300 million U.S. dollars, accounting for only 0.35% of insured losses. In the bright spot is that special claims process, insurance companies, basically should lose the best compensation the start fast claims green channel at the same time, Xianxingpeifu disaster claims measures, including policy admissibility relax the identity requirement, cancel sentinel hospitals and other measures "everything".
Clearly, the critical moment of the "emergency mobilization" and "everything" does not hide the deficiencies on the system design and embarrassment. Every major natural disasters reflect the real situation of the local insurance industry, insurance penetration and insurance density test.
Disclaimer property insurance products for most of the earthquake, tsunami and its secondary disasters as seek both disaster compensation scheme is likely to cause significant loss of life and property of the masses, to become a sometimes anxious and sometimes ease of things, anxious just anxious to learn from their mistakes after the disaster just happened when.
Currently, the regulatory authorities have made it clear, to promote the insurance industry to play a greater role in the relationship between the overall construction of five systems, an important one is to accelerate the establishment of a catastrophe insurance system in line with China's national conditions, insurance mechanisms for the prevention and decentralized disaster risk and provide post-disaster loss compensation.
But to really form a catastrophe insurance security system framework is definitely not the moment of power. Gone through a decade long to explore long way to catastrophe insurance system, has not yet collapsed, the latest news is always stuck on catastrophe insurance program has been submitted to the State Council, "the wording.
Compared with the ordinary risk of catastrophic risk with a low frequency of occurrence, is difficult to predict, a huge loss, the risk of loss is difficult to disperse characteristics. The business catastrophe insurance losses reality with the commercial purpose of the profitability of insurance companies often deviates from; catastrophe insurance features also brought technical difficulties of the insurance operations, restricting the development of the insurance supply market, more a direct result of our catastrophe insurance subject vacancy.
Fu Jie Fire Equipment learned that, in the face of difficult to predict the risk of huge losses, catastrophe insurance underwriting subject vacancy it is human nature, there is no protection of the legal and institutional, who did not dare to take on this responsibility. However, the serious absence of catastrophe insurance in China's legal system, public policy makers can not get stakeholders, lack of basic systems to define the government for many basic questions about catastrophe insurance, which largely restricts our catastrophe development, not a chain of responsibility and protection of the insurance, catastrophe insurance real difficult to achieve a breakthrough. |
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