"Investor's Network" Wang Jianfan
Recently, many places on the mainland have continued to experience heavy rainfall, which has seriously threatened the safety of people's lives and property, and the situation of flood prevention and flood control is very grim.
In this context, as the only state-controlled property insurance company in the country with the title of "China", China Property & Casualty resolutely implements the spirit of the important instructions of the CPC Central Committee on flood prevention and drought relief and the relevant requirements of the State Administration of Financial Supervision for the recent catastrophe insurance claim work. Earnestly ensure the safety of the people's lives and property and the overall stability of society.
Take precautions and take precautions for flood control
Disaster prevention can effectively reduce disaster losses. With the frequent occurrence of extreme weather events, insurance institutions play an increasingly important role in disaster preparedness due to their professional advantages in risk management.
In the face of the flood situation, China Property & Casualty has actively deployed nationwide to take precautions and make full preparations for disaster prevention and risk avoidance. In Liaoning, Sichuan, Fujian and other regions, all branches of China Property & Casualty have carried out targeted disaster preparedness work according to local conditions.
In Liaoning, China Property & Casualty Liaoning Branch mobilized online and offline operators in advance to prepare for rainstorm relief claims and rescue work. The company's leaders make unified deployment, pay close attention to the flood control situation, formulate emergency plans for flood prevention and disaster prevention, and set up a special team to ensure that the information channels are unimpeded. At the same time, the company launched the emergency plan for major disasters, set up an emergency team during the flood season, and front-line claims adjusters were on duty 24 hours a day, ready to deal with possible emergencies at any time.
In Sichuan, China Property & Casualty Sichuan Branch focuses on insurance protection functions, focusing on four aspects: prevention, reporting, rescue and rescue. On the one hand, we will intensify the investigation of potential potential safety hazards in the region, carry out special supervision and inspection of flood prevention work on the front line, strengthen duty during the flood season, and make preparations for flood prevention and disaster relief. On the other hand, local institutions held a safety production and disaster emergency response deployment meeting during the flood season as soon as possible, made a good disaster prevention plan, and scientifically coordinated the "fast, simple and warm" claim settlement work.
In Fujian, China Property & Casualty Insurance Fujian Branch took multiple measures to make emergency preparations for Typhoon "Gemei", and immediately mobilized backbone forces to set up a rescue team involving auto insurance, non-auto insurance and agricultural insurance professionals to stand by as a professional rescue force. At the same time, coordinate and organize the flooded vehicle to secure the parking site in advance and prepare for the parking of the customer's vehicle. In addition, a special hotline for auxiliary reporting has been opened, and auxiliary reporting registration has been done to ensure that the channels for customers to report cases are unimpeded.
In addition, China Property & Casualty Insurance also actively carries out customer service work. Push disaster prevention tips to customers through various channels such as SMS and WeChat to improve customers' awareness of risk prevention. At the same time, the company checked the underwriting situation in advance, simplified the claims process, and set up a green channel to pave the way for possible disaster response.
In the first half of 2024, China Property & Casualty issued severe weather risk reminders to reach more than 1,743 people, and provided disaster prevention measures to 8,447 group customers through pre-flood risk investigations, effectively improving the risk reduction effect.
Smell the flood and move to help day and night
During the flood season, in the face of sudden disasters, China Property & Casualty actively implemented the requirements of the State Administration of Financial Supervision and closely coordinated with relevant local departments to carry out comprehensive rescue work in the disaster areas.
From June 19 to 20, 2024, the Huangshan area of Anhui Province suffered continuous heavy rainfall, resulting in waterlogging disasters in many places. China Property & Casualty Anhui Branch immediately launched the disaster emergency plan and set up a special work team. All cadres and employees of Huangshan Central Branch Company are on standby 24 hours a day and actively participate in the rescue work. At the same time, Anhui Branch dispatched a number of business backbones and survey vehicles to Huangshan to provide strong support for the local rescue work.
On the evening of July 16, heavy rain fell in Baoji, Shaanxi Province, causing serious floods and geological disasters. China Property & Casualty Shaanxi Branch responded quickly and set up an emergency response team for the disaster as soon as possible. Baoji Central Branch Company launched the emergency response plan in a timely manner, and comprehensively carried out customer investigation, report acceptance, vehicle rescue and claim settlement services. During the period, the company set up 5 temporary service stations, stationed a professional service team of more than 20 people, and deployed 9 rescue vehicles to carry out rescue, and took the initiative to enthusiastically accept the reports and rescue needs of the masses.
After the "7.20" flash flood disaster in Hanyuan, Ya'an, Sichuan, China Property & Casualty Insurance Sichuan Branch immediately activated the emergency plan for major accident claims. The company has organized a professional claims and rescue team of 17 people, who are stationed 24 hours a day in the disaster area. At the same time, the company has set up 3 temporary claims consulting service points in the disaster-stricken areas, and dispatched 7 additional rescue vehicles to fully assist the local government in carrying out rescue work.
In response to the severe flood situation in Hunan, China Property & Casualty Hunan Branch actively set up a temporary party branch for flood control and disaster relief, giving full play to the role of the party branch as a fighting fortress and a vanguard and exemplary role for party members. During the period, the company implemented a 24-hour duty system, set up a number of survey party member commandos, and went deep into the front line to inspect the disaster situation and deal with compensation cases. According to statistics, from the outbreak of the current round of heavy rain and typhoon disasters to July 31, China Property & Casualty has dispatched a total of 7,374 survey and rescue vehicles and 13,134 personnel in Hunan Province, effectively ensuring the smooth development of flood prevention and disaster relief.
Build dams to protect the people and settle claims efficiently
In July, the Property and Casualty Department of the State Administration of Financial Supervision issued the Notice on Further Improving Insurance Services for Flood Prevention and Drought Relief, requiring insurance institutions to strengthen their responsibilities and improve the quality and efficiency of insurance services.
In response to the request, China Property & Casualty responded quickly, opened a nationwide green channel for claims settlement, simplified the claim procedure and required materials, and adhered to the principle of "special and urgent matters", which greatly improved the efficiency of claim settlement. At the same time, China Property & Casualty has earnestly implemented its service commitment of "making quick claims if you can make compensation, making full claims when you should be compensated, and making reasonable advance claims", and has established a rapid claim settlement mechanism in a number of disaster-stricken areas to ensure that the affected people can receive compensation in a timely manner. Finally, China Property & Casualty has also made full use of various online and offline channels to expand its service coverage and maximize the convenience of the affected people to obtain insurance services.
In the Meizhou area of Guangdong, in the face of the heavy rain in mid-June, China Property & Casualty Insurance Guangdong Branch quickly dispatched key claims personnel to the scene to provide support. As of June 24, Meizhou Central Branch has received a total of 57 disaster reports, with an estimated loss of 4.7 million yuan. Among them, there are 51 auto insurance disaster cases, and 40 cases have been closed, with a completion rate of 79% and a closed amount of more than 1.2 million yuan. In addition, the company also paid 300,000 yuan in compensation to the affected enterprises, which strongly supported the resumption of work and production of enterprises.
In Hunan, heavy rains and floods have flooded farmland and damaged crops in many areas. In this regard, China Property & Casualty Hunan Branch quickly established an efficient claim settlement service mechanism of "on-site investigation on the same day, compensation on the same day, and payment of compensation on the next day". As of July 30, the company has received more than 11,000 reports of various types, and the insured crop loss area is about 566,900 mu. Among them, in response to the serious damage to rice in Pingjiang County, Yueyang, the company quickly paid compensation and advance compensation of more than 7.7 million yuan for more than 10,000 mu of affected rice, which strongly supported the recovery of local agricultural production.
In Sichuan, in the face of the "7.20" flash flood disaster in Hanyuan, China Property & Casualty Sichuan Branch opened a 24-hour exclusive reporting service on the 95585 hotline and opened a variety of online reporting channels. On the day of the disaster, the company completed the payment of the first car insurance case, with a compensation amount of 38,600 yuan. Up to now, the company has received 167 reports of various types of insurance, with a reported loss amount of about 6.91 million yuan, and all cases are being handled in an orderly manner according to the flood season claim emergency plan.
In Zhejiang, in the face of the torrential rain brought by Typhoon "Gemei", China Property & Casualty Insurance Wenzhou Central Branch demonstrated its efficient ability to settle claims. On the afternoon of July 25, after confirming that the catastrophe index insurance compensation standard had been triggered in Wenzhou, the company completed the settlement of the claim and the payment of funds in only 2 hours, and paid the first claim in the city's system of 50,600 yuan to the Wenzhou Emergency Management Bureau.
In this race against time and against disasters, China Property & Casualty has always adhered to the service concept of "people first, life first", from taking precautions before disasters, to rapid response during disasters, to efficient claims settlement after disasters, systematically building a financial line of defense to protect people's livelihood, and contributing to the construction of the national disaster prevention and mitigation system.
In the future, China Property & Casualty will deeply grasp the political and people's nature of financial work, give full play to the advantages of the insurance profession, continue to forge ahead on the road of serving the national strategy and ensuring the well-being of the people, give full play to the functions of insurance as a social stabilizer and economic shock absorber, and continue to contribute to the promotion of Chinese-style modernization. (Produced by Thinking Finance)■