In order to ensure the safety of people's lives and property in natural disasters, alleviate the difficulties of families affected by sudden disasters, and improve the level of precise assistance, the district government finance pays the premiums, and the Emergency Management Bureau of Wujin District, Changzhou City, provides an inclusive and beneficial natural disaster livelihood relief insurance for the people of the whole district.
After public bidding, Changzhou Branch of Chinese People's Property Insurance Co., Ltd. won the bid for underwriting. The insurance is divided into two parts: natural disaster family home insurance and natural disaster public liability insurance (the current round of insurance period is from July 19, 2023 to July 18, 2026).
PART.1责 任 范 围
(1) Targets of protection
Permanent residents in Wujin District, Changzhou City (in a family unit, including houses with collective property rights, houses with house purchase contracts or rural homestead construction permits).
Permanent residents of Wujin District and non-resident rescuers who have been injured due to emergency rescue and disaster relief in disasters (non-resident rescuers shall be issued a rescue certificate by the Emergency Management Bureau of Wujin District, Changzhou City).
(2) Scope of basic protection
During the insurance period, if the personal injury accident or damage to the building is caused by the following reasons, the insurer shall compensate for the relief money in accordance with the provisions of the insurance contract.
1. Fire and explosion (caused by intentional or criminal reasons other than intentional or criminal acts of the insured and his/her family members);
2. Lightning strikes, typhoons, tornadoes, heavy rains, floods, blizzards, hail, ice cubes, mudslides, collapses, sudden landslides, ground subsidence (including underground artificial works);
3. Falling of flying objects and other airborne objects;
4. Earthquakes and secondary disasters caused by them;
5. Accidental falls of electric vehicles, bicycles, and pedestrians on public roads due to snow disasters (the injuries and circumstances are found to meet the requirements).
Note: The specific content is subject to the terms and conditions of Chinese People's Property and Casualty Insurance Co., Ltd.
(3) Limits of Liability and Deductibles
◆ Natural Disaster Home Insurance Liability Limits and Deductibles
◆ Natural Disaster Public Liability Insurance Liability Limits and Deductibles
PART.2 Claims reporting process
◆One-stop green channel insurance claim service process
◆ Contact list of insurance service clerks in each jurisdiction
PART.3理 赔 材 料
(1) Where the subject of protection handles public liability insurance for natural disasters, the following materials shall be provided according to different circumstances:
1. Notice of Accident;
2. A copy of the ID card and household registration certificate of the insured object, if the insured object is unable to handle it on its own, a separate power of attorney (original) and a copy of the ID card of the trustee shall be provided;
3. A copy of the bank card of the insured person or the trustee (card number, name, opening bank);
4. Complete medical records during the treatment period, including: outpatient medical records, diagnosis certificates, surgical records, discharge records, doctor's order certificates, medication lists, and medical expense invoices;
5. If the subject of the insurance is disabled, provide the disability appraisal certificate issued by the relevant department;
6. In the event of the death of the subject of the insurance, the death certificate and certificate of household registration cancellation shall be provided;
7. Provide materials for the identification of the municipal public security and fire departments in case of fire and explosion accidents;
8. Unilateral accidents caused by snow disasters by electric vehicles, bicycles, and pedestrians on public roads shall provide relevant materials for immediate reporting by the traffic police, public security departments or 120 emergency centers;
9. Provide materials for emergency rescue and disaster relief, certified by the civil affairs department;
10. If legal fees are involved, provide invoices for legal fees.
(2) If the insured handles the compensation of family housing insurance for natural disasters, the following materials shall be provided according to different circumstances:
1. Notice of Accident;
2. A copy of the insured's ID card and household registration certificate, if the insured is unable to handle it by himself, a separate power of attorney (original) and a copy of the trustee's ID card shall be provided;
3. A copy of the bank card of the insured or the entrusted person (card number, name, opening bank);
4. Proof of actual self-occupation of the insured;
5. List of property damages;
6. Housing ownership certificate or related documents (including purchase contract, building permit, etc.);
7. Provide materials for fire and explosion accidents identified by the municipal public security and fire departments.
Source: Hualong Lane
Produced by the Propaganda Department of the Wujin District Committee of the Communist Party of China
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