"The earthquake insurance companies in the accident will not be subject to the basic clear what impact, mainly because the insured rate was too low." May 14, who declined to be named a senior insurance industry an interview with this reporter and the overthrow of many People on the insurance business may be on the 12th of this month "Wenchuan earthquake" to pay huge compensation payments to understand.
He said that "China's insurance rates have generally not high, and underdeveloped regions, including the western region on the lower insurance rates. Snowstorm at the beginning of the South of the insurance industry to pay a combined 10 Jige Yi, for such a big Events and such a great loss, the compensation rate is really too low. The earthquake is estimated the amount of compensation will not be very high, particularly in the earthquake and property insurance. "
States of earthquake risk insurance
As an effective response means the earthquake disaster relief, earthquake risk in China's insurance rate is very low, and according to the aforementioned insurance people, the international authority Insurance Information Institute (Insurance Information Institute, III) show that the investigation report, the U.S. Geological Survey The most frequent outbreak of the state of California in 2006, when 12 percent of the purchase earthquake insurance, it is the United States to purchase the insurance maximum rate of one of the region.
U.S. local governments for earthquake risk insurance situation is worse than civil. May 12, as earlier this year in Illinois and Missouri, the earthquake caused the government's attention to Iowa, the state plans to promote more cities to join municipal facilities earthquake insurance coverage. At present, only five percent of the state of the city municipal facilities for the earthquake insurance. According to the U.S. National Weather Service (National Weather Service) data, from 1867 to date, 13, is the epicenter of the earthquake took place in Iowa with.
Earthquake accident on the most sensitive countries - Japan, the survey data show that the risk of earthquake insurance rate of 13 percent.
It is interesting that earthquake insurance policy holders and seismic changes in the rate of the time the accident occurred close ties. Take Japan for example, in 1995 before the insured rate was only 3.0 percent, while the year on January 17 in Kobe 7.3 earthquake occurred, causing 6,435 deaths, the insurance rates to rise sharply in 1997 to 27.3 percent, but with With the passage of time, the earthquake risk insurance rates also decreased gradually to the current 13 percent level.
Coincidentally, the U.S. state of California as well. 1994 Los Angeles earthquake, the largest in U.S. history caused by the earthquake caused economic losses, its insurance rates in 1996, the highest close to 30 percent, and then slowly drop to 12 percent now.
"Well scars forget the pain!" Above analysts evaluate the case of this phenomenon.
Japan's earthquake, "Zai Zai insurance"
Japan, the earthquake accident-prone country, the earthquake risk in terms of maturity of one of the highest.
Japan's Disaster Prevention Research Institute under the city called a "Japanese earthquake insurance system and the formation of the problem," the report, Japan in 1966 established the earthquake insurance system and promulgated the earthquake insurance-related legal and accounting in particular earthquake reinsurance bill. In accordance with the system, the various insurance companies in Japan jointly established the Japan Earthquake Reinsurance Co., Ltd., as responsible for earthquake reinsurance business.
Japan's earthquake insurance regulatory provisions very carefully, the object of insurance, payment methods, and the proportion of the premium payment rates, and so are clear. The rate, also depending on the region and the housing structure and even the construction period and different. Its insurance object is defined as: can be compensated for the damage that directly suffered earthquakes, volcanoes, tsunamis and the resulting fire, damage, loss or buried, such as the housing construction and property damage. Extent of damage, including destruction of all, semi-destroyed and damaged part.
It is worth noting that Japan is a rare borne by the Government last earthquake insurance payment responsibility of countries. An earthquake insurance policy, insurance companies sold to the insured, and then sold under the company's earthquake insurance, reinsurance earthquake in Japan Co., Ltd. in full to purchase earthquake insurance (known as "A special contract"), to reduce the insurance company The earthquake insurance risk. Japan's earthquake reinsurance Co., Ltd. will purchase all the insurance companies earthquake reinsurance divided into three parts, one to reverse the general insurance companies to purchase earthquake "Zaizai insurance" (referred to as "B in particular signing"); part of the Government of Japan to buy Earthquake "Zaizai insurance" (known as "C contract"); Finally, as part of their commitment to share reservations (his tenure share). Thus formed by insurance companies, reinsurance companies and the government shared responsibility of the tripartite structure.
China as a developing country, the earthquake risk in the development of relatively late. July 2000, "Additional devastating earthquake insurance clause" by the National Insurance Regulatory Commission approved the establishment. Which provides that the insurance responsibility for the "direct result of devastating earthquake (the State Seismological departments final determination of the magnitude of a magnitude of 4.7 and above and six times more than the intensity of the earthquake) vibration caused by the tsunami or earthquakes, fires, explosions and Landslide caused by the loss of property insurance. " Liu Yonghao hope that the new group holding the Huarong Chemical Co., Ltd. became the first in western China earthquake insurance policyholders.
Raising awareness of urgent need earthquake insurance
The aforementioned insurance said, "We are emotionally affected areas and the masses have expressed sympathy, from another perspective, we also hope that after this incident, the public's attention on the insurance has improved, and in a larger scope and scale The development of our business. "
He said that "from a moral, from the business, the insurance company's compensation must be very active and is very fast, those who are not operating in the western region of foreign companies, can not be compensable, but also by positive contributions to attract people The attention. "
After the second day of the earthquake on the 13th afternoon, the first from China's PICC Property Insurance compensation has been through the PICC Property Insurance branch in Shaanxi sent to the disaster areas. The number of insurance companies also claimed that the claims process, as long as the policy holders to provide names, no insurance policy holders can also receive payment. At the same time, many media companies announced the donation list, there are various insurance companies by name.
As for the insurance companies will not be too great because the amount of compensation or even losses caused by the closure of the issue, a senior industry actuary replied: "Even if the affected areas of the insured rate is high, great loss, according to the insurance industry's operating rules, January 2 The earthquake put the possibility of collapse of insurance companies is very low. Because there are reinsurance support, and then spread the insurance risk of this large-scale disaster. And a good balance between the premium and the amount of compensation, the relationship between what we actuarial The division of work needs to be done. "
He said that "China's insurance rates have generally not high, and underdeveloped regions, including the western region on the lower insurance rates. Snowstorm at the beginning of the South of the insurance industry to pay a combined 10 Jige Yi, for such a big Events and such a great loss, the compensation rate is really too low. The earthquake is estimated the amount of compensation will not be very high, particularly in the earthquake and property insurance. "
States of earthquake risk insurance
As an effective response means the earthquake disaster relief, earthquake risk in China's insurance rate is very low, and according to the aforementioned insurance people, the international authority Insurance Information Institute (Insurance Information Institute, III) show that the investigation report, the U.S. Geological Survey The most frequent outbreak of the state of California in 2006, when 12 percent of the purchase earthquake insurance, it is the United States to purchase the insurance maximum rate of one of the region.
U.S. local governments for earthquake risk insurance situation is worse than civil. May 12, as earlier this year in Illinois and Missouri, the earthquake caused the government's attention to Iowa, the state plans to promote more cities to join municipal facilities earthquake insurance coverage. At present, only five percent of the state of the city municipal facilities for the earthquake insurance. According to the U.S. National Weather Service (National Weather Service) data, from 1867 to date, 13, is the epicenter of the earthquake took place in Iowa with.
Earthquake accident on the most sensitive countries - Japan, the survey data show that the risk of earthquake insurance rate of 13 percent.
It is interesting that earthquake insurance policy holders and seismic changes in the rate of the time the accident occurred close ties. Take Japan for example, in 1995 before the insured rate was only 3.0 percent, while the year on January 17 in Kobe 7.3 earthquake occurred, causing 6,435 deaths, the insurance rates to rise sharply in 1997 to 27.3 percent, but with With the passage of time, the earthquake risk insurance rates also decreased gradually to the current 13 percent level.
Coincidentally, the U.S. state of California as well. 1994 Los Angeles earthquake, the largest in U.S. history caused by the earthquake caused economic losses, its insurance rates in 1996, the highest close to 30 percent, and then slowly drop to 12 percent now.
"Well scars forget the pain!" Above analysts evaluate the case of this phenomenon.
Japan's earthquake, "Zai Zai insurance"
Japan, the earthquake accident-prone country, the earthquake risk in terms of maturity of one of the highest.
Japan's Disaster Prevention Research Institute under the city called a "Japanese earthquake insurance system and the formation of the problem," the report, Japan in 1966 established the earthquake insurance system and promulgated the earthquake insurance-related legal and accounting in particular earthquake reinsurance bill. In accordance with the system, the various insurance companies in Japan jointly established the Japan Earthquake Reinsurance Co., Ltd., as responsible for earthquake reinsurance business.
Japan's earthquake insurance regulatory provisions very carefully, the object of insurance, payment methods, and the proportion of the premium payment rates, and so are clear. The rate, also depending on the region and the housing structure and even the construction period and different. Its insurance object is defined as: can be compensated for the damage that directly suffered earthquakes, volcanoes, tsunamis and the resulting fire, damage, loss or buried, such as the housing construction and property damage. Extent of damage, including destruction of all, semi-destroyed and damaged part.
It is worth noting that Japan is a rare borne by the Government last earthquake insurance payment responsibility of countries. An earthquake insurance policy, insurance companies sold to the insured, and then sold under the company's earthquake insurance, reinsurance earthquake in Japan Co., Ltd. in full to purchase earthquake insurance (known as "A special contract"), to reduce the insurance company The earthquake insurance risk. Japan's earthquake reinsurance Co., Ltd. will purchase all the insurance companies earthquake reinsurance divided into three parts, one to reverse the general insurance companies to purchase earthquake "Zaizai insurance" (referred to as "B in particular signing"); part of the Government of Japan to buy Earthquake "Zaizai insurance" (known as "C contract"); Finally, as part of their commitment to share reservations (his tenure share). Thus formed by insurance companies, reinsurance companies and the government shared responsibility of the tripartite structure.
China as a developing country, the earthquake risk in the development of relatively late. July 2000, "Additional devastating earthquake insurance clause" by the National Insurance Regulatory Commission approved the establishment. Which provides that the insurance responsibility for the "direct result of devastating earthquake (the State Seismological departments final determination of the magnitude of a magnitude of 4.7 and above and six times more than the intensity of the earthquake) vibration caused by the tsunami or earthquakes, fires, explosions and Landslide caused by the loss of property insurance. " Liu Yonghao hope that the new group holding the Huarong Chemical Co., Ltd. became the first in western China earthquake insurance policyholders.
Raising awareness of urgent need earthquake insurance
The aforementioned insurance said, "We are emotionally affected areas and the masses have expressed sympathy, from another perspective, we also hope that after this incident, the public's attention on the insurance has improved, and in a larger scope and scale The development of our business. "
He said that "from a moral, from the business, the insurance company's compensation must be very active and is very fast, those who are not operating in the western region of foreign companies, can not be compensable, but also by positive contributions to attract people The attention. "
After the second day of the earthquake on the 13th afternoon, the first from China's PICC Property Insurance compensation has been through the PICC Property Insurance branch in Shaanxi sent to the disaster areas. The number of insurance companies also claimed that the claims process, as long as the policy holders to provide names, no insurance policy holders can also receive payment. At the same time, many media companies announced the donation list, there are various insurance companies by name.
As for the insurance companies will not be too great because the amount of compensation or even losses caused by the closure of the issue, a senior industry actuary replied: "Even if the affected areas of the insured rate is high, great loss, according to the insurance industry's operating rules, January 2 The earthquake put the possibility of collapse of insurance companies is very low. Because there are reinsurance support, and then spread the insurance risk of this large-scale disaster. And a good balance between the premium and the amount of compensation, the relationship between what we actuarial The division of work needs to be done. "
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