On the residential "earthquake" town house insurance household 50,000 | earthquake _ news
Original title: | residential political solutions may also be "earthquake" town house insured 50,000 per household
Beijing News newsletter (reporter Sha Lu), the China insurance regulatory Commission, the Ministry of Finance recently issued the establishment of urban and rural residential earthquake catastrophe insurance system implementation plan, marking the earthquake catastrophe insurance system as a breakthrough the upcoming practice. Under the programme, by rural and urban areas is different from determining the amount of insurance, basic insurance amount for urban residential 50,000 yuan per household, rural residential basic insured amount of 20,000 yuan per household, runs initially up to 1 million Yuan. Experts believe that the current coverage, should be able to cover most households, next there may be implementation details.
According to the requirements of the implementation, object for urban-rural residential, initial operation, in principle, to meet the national quality requirement (including seismic fortification criterion) of buildings and interiors subsidiary facilities, in a destructive earthquake and associated tsunami, fires, explosions, subsidence, secondary disasters such as mud-rock flow and landslide as the main insurance.
Insurance payment, initial operation, with the residential architecture, with an average construction costs, disaster compensation aid levels condition, by rural and urban areas is different from determining the amount of insurance, basic insurance amount for urban residential 50,000 yuan per household, rural residential basic insured amount of 20,000 yuan per household. Consultation with the insurance company to determine the amount of insurance per household, runs initially up to 1 million Yuan, supplemented by commercial insurance additional.
The compensation, early design for fixed value insurance, when you claim, is subject to the insured amount, based on damage degree classification of claims. When the destruction level ⅰ-ⅱ level, largely intact, no compensation; destroy classes III (moderate damage), according to the amount of 50% to determine the loss damage grade IV (severely damaged) and v (destroyed), according to the amount of 100% to determine losses.
Beijing technology and business University, Department of insurance Deputy Director Ning Wei said, this programme can be said to be beneficial, made the comparison of catastrophe insurance system, and the first step in solving practical problems, such as provide basic coverage of urban and rural standards. According to the current coverage, Basic you can cover most of the households, the next step may be implementing rules promulgated.
It is understood that the early 45 property insurance companies under the "voluntary participation, risk-sharing" principle initiated the establishment of the China urban and rural residential community of earthquake catastrophe insurance, the integration of industry capacity, build a business platform, establish standard underwriting claims, to cope with the earthquake disaster.
Responsible editor: Kun Qu SN117
Article keywords:Earthquake insurance
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居民住宅可上“地震险” 城镇住宅保额每户5万|地震险_新闻资讯
原标题：政解|居民住宅也可以上“地震险”了 城镇住宅保额每户5万
新京报快讯(记者沙璐)保监会、财政部日前印发了《建立城乡居民住宅地震巨灾保险制度实施方案》， 标志着以地震为突破口的巨灾保险制度即将开展实践探索。根据方案，按城乡有别确定不同保险金额，城镇居民住宅基本保额每户5万元，农村居民住宅基本保额每户2万元，运行初期最高不超过100万元。专家认为，按照目前的保额，应该可以覆盖大部分的住户，下一步可能会有实施细则出来。
根据《实施方案》的要求，保障对象为城乡居民住宅，运行初期，原则上以达到国家建筑质量要求(包括抗震设防标准)的建筑物本身及室内附属设施为主，以破坏性地震振动及其引起的海啸、火灾、爆炸、地陷、泥石流及滑坡等次生灾害为主要保险责任。
保险金额方面，运行初期，结合我国居民住宅的总体结构、平均再建成本、灾后补偿救助水平等情况，按城乡有别确定不同保险金额，城镇居民住宅基本保额每户5万元，农村居民住宅基本保额每户2万元。每户可与保险公司协商确定保险金额，运行初期最高不超过100万元，超出部分由商业保险补充。
赔偿处理方面，初期产品设计为定值保险，理赔时，以保险金额为准，并根据破坏等级分档理赔。当破坏等级在Ⅰ-Ⅱ级时，标的基本完好，不予赔偿;破坏等级为Ⅲ级(中等破坏)时，按照保险金额的50%确定损失;破坏等级为Ⅳ级(严重破坏)及Ⅴ级(毁坏)时，按照保险金额的100%确定损失。
北京工商大学保险系副主任宁威表示，这一方案可以说是利国利民，迈出了巨灾保险制度比较具体的、解决实际问题的第一步，比如规定了城乡的基本保额标准。按照目前的保额，基本可以覆盖大部分的住户，下一步可能会有实施细则出台。
据了解，前期，45家财产保险公司根据“自愿参与、风险共担”的原则发起成立中国城乡居民住宅地震巨灾保险共同体，整合行业承保能力，搭建业务平台，建立承保理赔标准，共同应对地震灾害。
责任编辑：瞿崑 SN117
文章关键词： 地震险
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