During the flood season, the whole department will do a good job in dealing with disasters
Recently, affected by the landfall of super typhoon "Capricorn", Hainan, Guangdong and other places have suffered serious disasters, resulting in casualties and heavy property losses. In accordance with the unified deployment arrangement of Chinese Life Group Corporation, Chinese Life Property Insurance launched a catastrophe emergency response, clarified and implemented relevant work requirements such as joint prevention, joint control and mutual assistance, took multiple measures at the same time, went all out to do a good job in relevant claims services, and took practical actions to ensure the safety of people's lives and property in areas affected by typhoons. As of 10 o'clock on September 10, Chinese Life Property Insurance received more than 3,400 reports of losses related to the "Capricorn" typhoon.
"I didn't expect to get the compensation so soon, and our production and operation are guaranteed!" The person in charge of the plantation in the Xuwen area of Zhanjiang Agricultural Reclamation Group Company said excitedly. On the evening of September 6, Typhoon "Capricorn" made landfall again in Jiaowei Township, Xuwen County, Guangdong Province, with a maximum wind force of 17 (58 m/s) near the center and a minimum pressure of 925 hPa near the center at the time of landfall. The Xuwen area, a subordinate farm of Zhanjiang Agricultural Reclamation Group Company, was strongly affected by the typhoon, and many rubber and sugarcane planting farms suffered serious losses. Chinese Life Property & Casualty Insurance Guangzhou Branch opened a green channel for catastrophe compensation based on the principle of "full compensation should be paid, compensation should be paid quickly", and the first batch of claims payment took only 3 hours from the insurance to the payment of compensation, and paid 9 compensation payments to customers insured with sugarcane and rubber crops, with a total amount of more than 9.6 million yuan.
It is understood that since 2020, Chinese Life Property Insurance has provided agricultural insurance services for 24 farms under Guangdong Agricultural Reclamation Group, providing rubber and sugarcane planting risk protection of 717 million yuan.
For farmers, the advantage of weather index insurance is that it has the characteristics of "trigger and compensation", and can be paid when the typhoon wind speed reaches the agreed standard, which overcomes the difficulties of traditional planting insurance on-site claim settlement and damage determination, does not need to investigate and determine damage from house to house, improves the level and efficiency of insurance services, can better support farmers to carry out post-disaster reconstruction and other work, and is also a powerful demonstration of Chinese Life Property Insurance in response to the government's call to build a "protection and rescue" risk reduction service system.
In addition, the reporter learned from the Guangdong Branch of Chinese Life Property Insurance that in order to reduce the impact of the "Capricorn" typhoon on local agricultural production, the company required the institutions under its jurisdiction to start the emergency response plan for major natural disasters as soon as possible, comprehensively carry out disaster prevention and loss reduction, emergency rescue and post-disaster claim work, and dispatched the company's business backbone to the western Guangdong region to set up a task force as soon as possible, and fully devoted itself to the harvest and disaster prevention work of farmers in Zhanjiang, Yangjiang and other western Guangdong regions.
As the area most severely hit by the typhoon, the local Chinese life property and casualty insurance claims service staff are also busy on the front line, sending "reassurance" to the people.
In the information age, communication is like an eye, and whether communication is smooth is also particularly important for the recovery of production and life after a disaster. It is reported that due to the impact of the typhoon, the signal in most areas of Haikou has been interrupted and traffic has been blocked. On September 7, after receiving a report from a communications company, the Hainan branch of Chinese Life Property & Casualty Insurance Co., Ltd. was unable to obtain a specific list of losses because the communication equipment was still being repaired, in this regard, in order to help restore communications as soon as possible, the Hainan Branch of Chinese Life P&C Insurance Co., Ltd. paid 1.5 million yuan in advance for the communication company on September 8 to help it resume production.
As the carrier of the convention and exhibition industry, the convention and exhibition center has the role of enhancing the city's popularity and reputation and driving the city's economic benefits. After receiving a report call from the Hainan Provincial Convention and Exhibition Center on the evening of September 6, the Hainan Branch of Chinese Life Property and Casualty Insurance rushed to the scene early the next morning to rescue and provide disaster relief, on-site investigation, and opened a green channel for rapid claim settlement after the disaster.
When the typhoon crosses, the loss of property insurance involves thousands of households. In response to the obstruction of customer reporting, Hainan Branch carried out a large-scale investigation and integration of customer information, and verified and docked with customers one by one; Effectively integrate external claims resources to deal with the sudden surge in reports after a disaster. Centralized reporting of home property insurance, through small quick claims and online self-help claims, reduce customer waiting time, and pay compensation as soon as possible. In addition, the company actively responded to the government's call for rescue, and the claims adjusters quickly set up a rescue team to assist the roadblock company in clearing road obstacles and actively helping car owners get out of the wading area.
In Guangxi, which was also severely affected, agricultural breeding projects such as sugarcane, forests, bananas, rice, and shrimp were seriously damaged in many places. As of 18:00 on September 10, the agricultural insurance of the Guangxi branch of Chinese Life Property Insurance received 351 reports, with an estimated loss of 16.55 million yuan. Guangxi Branch quickly responded to the needs of the local government and the people for accident rescue and claim settlement services, and immediately dispatched an agricultural insurance claims team to the scene of the accident and opened a green channel in a timely manner to provide fast disaster relief and claim settlement services for the affected farmers and help the damaged farmers to resume production and life as soon as possible. While carrying out on-site claims, the general public is reminded not to stay in dangerous areas such as trees, billboards, and dangerous walls, and farmers are instructed to do a good job in protecting against disasters such as flash floods, landslides, and mudslides.
Operational risk and compensation for losses are the inevitable responsibilities of insurance; Reducing risks and losses is the natural mission of insurance. In order to ensure efficient response and timely response in the face of major disasters, it is particularly important to adhere to pre-work, forward transfer of resources, and forward-looking deployment, and promote the amount of advance with normalized promotion to ensure that advanced actions are carried out in an orderly manner.
It is reported that before the typhoon, Chinese Life Property Insurance carried out a series of disaster prevention deployment arrangements, including issuing a typhoon "Capricorn" early warning notice throughout the system, continuously tracking the dynamics of Typhoon Capricorn through the catastrophe risk management module, predicting the distribution map of storms, rains and floods, and providing step-by-step early warning reminders for high-risk businesses of enterprise property insurance; Combined with the list of high-risk businesses of enterprise property insurance, we will remind customers to carry out disaster prevention and loss prevention; Organize Guangdong, Hainan, Guangxi and other institutions along the typhoon line to hold a claims prevention and disaster dispatch meeting to make careful arrangements for the pre-disaster warning, disaster rescue and post-disaster claims settlement of the typhoon. Under the all-round deployment of the head office, as early as September 3, all the risk-related branches along the typhoon have started comprehensive preparations for disaster response, sent nearly 600,000 early warning text messages to customers, and made preparations for internal disaster prevention and relief materials, human resources, external survey and auction service providers, etc., as well as the preservation of the site.
Before the typhoon landed, the working group of Hainan Branch went to key targets to conduct on-site wind surveys, helped customers strengthen protective measures, eliminate potential safety hazards, and assist customers in disaster prevention and mitigation and risk reduction. At the same time, the disaster prevention materials were counted, the front-line personnel were equipped with disaster response tools, and the survey vehicles were equipped with sufficient fuel to ensure that the front-line materials were sufficient. At the same time, it is equipped with sufficient rescue vehicles and rescue sites to ensure rapid response in disasters and carry out rescue work for customers. The Guangdong branch conducted pre-disaster on-site visits to customers and people in the severely affected areas of typhoon and rain warnings, carried out risk and hidden danger investigations, provided safety prevention suggestions, provided typhoon risk reminders and disaster prevention and loss prevention suggestions to many enterprise customers, carried out typhoon "Capricorn" early warning reminders and protection publicity to farmers, and carried out wind surveys of planting plots to assist customers in implementing disaster prevention and loss prevention related measures. The Guangxi branch carried out typhoon "Capricorn" early warning through WeChat, enterprise WeChat, SMS and other channels, actively guided customers to do a good job in personal and property safety disposal in advance, and issued claims service guidelines to ensure that customers were provided with fast and convenient claim settlement services as soon as possible during the disaster.
The disaster relief work of Typhoon Capricorn continues, and Chinese Life Property Insurance said that it will continue to work with the whole department to cooperate with the government departments in the affected areas to carry out post-disaster rescue and disposal work, and quickly handle typhoon cases in accordance with the principle of "fast and simple procedures" to help post-disaster reconstruction.
Written by: Xu Rui, Hao Lei, Liu Lei, Yao Xinwan, Qin Xuanting, Wu Shuying, Zhou Na, Zhong Guansheng, Li Sirui