The scope and basic insurance amount of urban and rural residents’ residential disaster insurance guarantees have been improved.
On March 26, the State Administration of Finance and Administration and the Ministry of Finance issued the “Notice on the Scope of Increasing the Disaster Insurance Insurance Insurance Insurance Insurance Insurance System of Urban and Rural Residents” (hereinafter referred to as the “Notice”).
The “Notice” mainly expands the liability for disaster insurance, enhances the basic insurance amount, and supports the development of commercial disaster insurance.
According to the person in charge of the relevant Division Bureau of the General Administration of Finance Supervision, in recent years, the General Administration of Finance Supervision, together with the Ministry of Finance, conducts in -depth exploration of disaster insurance for residents who guarantee basic living materials.The risk decentralization mechanism at the bottom of the fiscal pocket establishes a community of downsyst insurance community of urban and rural residents’ residential earthquakes to promote the implementation of the pilot of the disaster insurance.By the end of 2023, the community provided a total of 791.8 billion yuan in disaster risk protection for 21.34 million households across the country.
Specifically, the “Notice” clearly states that with urban and rural residents’ residential and indoor subsidiaries as the guarantee object, insurance responsibility expands natural disasters such as typhoons, floods, storms, mudslides, and landslides on the basis of existing destructive earthquakes.It can be said that after this expansion, the full coverage of natural disasters in the whole country in our country basically achieved the full coverage of our country.
In terms of insurance amount, the basic insurance amount of the disaster insurance is doubled. The houses of residential residential houses are 50,000 yuan per household, and the houses of rural residential houses are 20,000 yuan per household.40,000 yuan.Each household can refer to the value of the housing market and negotiate with the insurance company to determine the amount of insurance with the insurance company. The maximum does not exceed 1 million yuan per household, and the part of 1 million yuan can be supplemented by the insurance company with commercial insurance.
Talking about why the expansion guarantee and increase the insurance amount, the person in charge of the relevant departments of the State Administration of Financial Supervision said that there are three main considerations: mainly:
The first is the deployment of the country.The “Fourteenth Five -Year Plan” plan and the main outline of the long -distance scene in 2035 clearly take the development of the disaster insurance as a key task in the future;
The second is the needs of society.The current disaster insurance is based on the earthquake, but the current climate change is very frequent, the impact on human activities is very deep, and the frequency of human beings on the occurrence of great disasters and the damage caused by it is increasingly valued.In this case, the launch of a more comprehensive and effective disaster insurance protection has become an urgent desire for the country, society and the people.Expanding insurance liability is the need for society.
The third is that the pilot is effective.From the perspective of local giant disaster insurance pilots, we can gradually play a more active and effective role in the disaster treatment process from a single disaster due to a single disaster due to the expansion of the disaster.
The “Notice” also proposed that the community of downsysts in urban and rural residents’ residential earthquakes was renamed the community of downturn insurance insurance community of urban and rural residents.Regarding the insurance liability and protection objects other than the existing guarantee content, the general meeting of the residential disaster insurance of urban and rural residents’ residential residential dwellings can provide commercial insurance supplements to fully meet the demand for differentiated risks in various regions.