Daily Focus: Improve the ability of property insurance industry to deal with disasters and accidents

□ Reporter Zhu Yanxia

On November 8, the CBRC issued the Notice on Printing and Distributing the Measures for Grading the Disposal of Property Insurance Disasters and Accidents, stating that in order to further establish the working mechanism for property insurance industry to deal with disasters and accidents and improve the ability of property insurance industry to deal with disasters and accidents, the CBRC has formulated the Measures for Grading the Disposal of Property Insurance Disasters and Accidents (hereinafter referred to as the Measures).

(Data pictures are for reference only)

The Measures specify that property insurance disasters and accidents are classified into three levels according to the nature of the event, the degree of loss, the scope of impact and other factors, namely, extremely serious, serious and large, corresponding to Level I, Level II and Level III responses. The CBRC and its local offices will launch the response, carry out the response and timely terminate the response.

What is a property insurance disaster?

The Measures point out that property insurance disasters refer to natural disasters, accident disasters related to the risks underwritten by property insurance companies and other events that the CBRC believes should be handled in accordance with the Measures.

In recent years, China has successively suffered disasters and accidents such as typhoon "Lichima", heavy rain in Henan, Luding earthquake in Sichuan, and gas explosion in Shiyan, Hubei. After the occurrence of disasters and accidents, the CBRC acted quickly, organized the industry to respond to disasters and accidents, actively played the role of insurance in disaster prevention and loss reduction, rescue and relief, economic compensation, social governance and other functions, and strongly promoted the development of catastrophe insurance in Henan, Yunnan, Sichuan and other places.

The person in charge of the relevant department of the CBRC introduced that, in order to more effectively promote the handling of disasters and accidents, further clarify the work responsibilities, and form a joint force of work, the CBRC has formed the Measures on the basis of extensive investigation and research, classified property insurance disasters and accidents, and defined the subject and responsibility of hierarchical handling.

How to set the three levels?

According to the Measures, especially serious property insurance disasters and accidents include three situations: first, the national level disaster accident disposal is initiated; Second, the occurrence of natural disasters such as floods, typhoons, earthquakes, mudslides, or accidents such as fires, explosions, and transportation accidents has caused or may cause property insurance losses of more than 1 billion yuan or personal injury and death of more than 20 million yuan or the death of more than 30 insured persons, or have a particularly significant impact on the business of property insurance companies; Third, other events identified by the CBRC according to the loss of disasters and accidents, social influence, etc.

Major property insurance disasters and accidents include two situations: one is that the above natural disasters or accidents and disasters have caused or may cause property insurance losses of more than 50 million yuan, less than 1 billion yuan, or personal injury and death of more than 10 million yuan, less than 20 million yuan, or the death of more than 10 or 30 insured people, or have a significant impact on the business of property insurance companies; Second, other events identified by the CBRC bureaus according to the loss of disaster accidents, social influence and the disposal requirements of local Party committees and governments.

Major property insurance disasters and accidents also include two situations: one is that the above natural disasters or accidents and disasters cause or may cause property insurance loss compensation of more than 10 million yuan, less than 50 million yuan, or personal injury compensation of more than 5 million yuan, less than 10 million yuan, or the death of more than 5 or less than 10 insured persons, or have a major impact on the business of property insurance companies; Second, other events identified by each branch of the Bank and Insurance Regulatory Bureau according to the loss of disaster accidents, social influence, and the disposal requirements of local Party committees and governments.

How to deal with disasters and accidents?

The Measures specify that in the event of a particularly serious property insurance disaster accident, the CBRC will implement Level I response as a whole; When a major property insurance disaster accident occurs, the local banking and insurance supervision bureau shall implement the Level II response as a whole; In case of major property insurance disaster accidents, the CBRC branch will implement Level III response as a whole under the guidance of the superior CBRC.

According to the Measures, in the Level I response, the CBRC should take measures as a whole, and should strengthen overall guidance, strengthen linkage and implement the reporting system. In Level I, Level II and Level III responses, the CBRC and its branches should implement the responsibility of territorial management, immediately initiate response, actively respond to disposal, rapidly carry out trial arrangement, optimize claim settlement services, and implement the reporting system.

At the same time, the Measures also require that all property insurance companies should earnestly assume the main responsibility for the disposal of property insurance disasters and accidents, establish and improve the disaster and accident disposal mechanism, refine the requirements for pre prevention and early warning, in-process response and disposal, and post service guarantee, to ensure efficient and effective response; It is required that the insurance industry association should actively play the role of self-discipline and coordination, integrate industry resources, and promote the orderly development of disaster prevention and loss reduction, emergency rescue, claims settlement services, etc; The Bank of China Insurance Trust and Shanghai Insurance Exchange are required to provide support for nationwide policy information inquiry of disasters and accidents.

The CBRC said that in the next step, it will continue to promote the improvement of the property insurance disaster and accident handling mechanism, continue to improve the quality and efficiency of property insurance disaster and accident handling, and further play the role of insurance economy as a "shock absorber" and social "stabilizer".

key word: property insurance Over 10000 yuan natural disaster