Domestic insurance companies say earthquake insurers don't protect money

After the earthquake, many domestic insurance companies received a large number of telephone consulting earthquake insurance companies said-earthquake insurers do not protect the wealth of Japan earthquake, caused people to the earthquake-related insurance concerns. So can we ask the insurance company for help by selecting the relevant insurance variety?　　Can insurance compensate for the damage caused by earthquakes?　　The reporter found that in the capital, most of the accidents caused by the accident are within the scope of life insurance compensation, but in the personal customer's family property insurance, the damage caused by the earthquake can not be compensated.　　Reporter learned this morning, after the earthquake in Japan, many insurance companies have received a lot of advice to buy earthquake insurance phone.　　The insurance company recommends accidental injury, life insurance, etc. to customers with this demand.　　Earthquake risk "insured not to protect wealth" after the earthquake in Japan, many insurance companies have received a lot of advice to buy earthquake insurance phone.　　The reporter learned from several insurance companies that most of the accidents caused by the accident are within the scope of life insurance compensation.　　The insurance company recommends accidental injury, life insurance, etc. to customers with this demand.　　Among them, the kinds of insurance that can "pay" for earthquake include: Periodical Life insurance, life insurance, personal accident insurance, personal accident medical insurance, study level insurance, travel accident insurance, etc. The specific amount of compensation depends on the specific provisions of the insurance provisions, such as the number of deductible, compensation items.　　The insured should report to the insurance company as soon as possible after the insurance accident, and provide the corresponding proof material according to the requirement.　　However, unlike life insurance, journalists from the Chinese insurance, Pacific Insurance, China Peace, Taiping Insurance and other insurers know that the current market of family property insurance does not include earthquake responsibility or the earthquake as an exception to the responsibility. "The earthquake is the force majeure, the home insurance company launches the product to be listed as the exception responsibility." "China Insurance Industry Association responsible person in the interview, said that the current individual purchase property insurance is in accordance with the standard contract text, and the standard contract text of the insurance liability does not include earthquakes."　　He introduced that the Enterprise property insurance can be determined by the company and the insurance company to deal with the earthquake insurance liability.　　Earthquake insurance "short-lived" reporter found in the interview, before there are individual insurance companies have launched earthquake risk, but are "short-lived", soon disappeared in the market.　　According to an insurance company, the previous two years had a home insurance products, the earthquake was listed as an additional risk can be selected by the applicant to buy, but the product "in 2009 stopped sales."　　Similarly, an insurance company has also launched an earthquake risk after the Wenchuan earthquake, but according to the company's relevant officials, the product also stopped sales last year.　　An insurance company Personage discloses, causes the earthquake risk to fade out the market The reason is, this kind of market acceptance degree is not high, the customer "is not active", at the same time the earthquake loss is the regional mass event, the insurance company undertakes the risk is too big. Various kinds of insurance are responsible for the loss of earthquake most life insurance does not cause the earthquakeThe exclusion clause is liable to compensation.　　For example, if the earthquake caused accidental death, periodic life insurance, personal accident insurance, personal accident medical insurance, tourism accident insurance can be compensated.　　Earthquake Tsunami Home Insurance does not compensate for "natural disaster" has a strict definition, "earthquake" and "tsunami" was excluded from the scope of compensation. Travel agency liability insurance not guaranteed earthquake travel agency insured the travel agency liability insurance, but the tourists themselves did not insure any insurance, in case of accidental injury caused by the earthquake, this also cannot obtain the compensation. Because the travel agency liability insurance also included the earthquake in the deductible scope.　　Its object is actually the travel agency because of its own "mistake, the mistake" to cause the harm to the visitor. Mortgage insurance generally do not protect earthquake residents purchase, generally have to buy mortgage insurance.　　This kind of insurance generally also is not protect the earthquake. In mortgage insurance, the "insurance liability" in the policy includes the "storm, torrential rains, typhoons, floods, lightning strikes, mudslides, snow storms, hail, ice, tornadoes, cliff collapses, sudden landslides, sudden collapse of the ground, and so on, but the earthquake does not belong to the scope, because in" responsibility exemption "includes" earthquake or earthquake secondary cause ",　　But some insurance companies can attach earthquake risks to their mortgage insurance. Wen/journalist Zhang Yi Zhang Dongni