Shanghai Fire exposed Home insurance blank total compensation not exceeding tens of millions

Sun Yu Shanghai's "11 15" special fire once again pushed the insurance industry to the forefront of social management, but also exposed the lack of commercial insurance security. November 18, our correspondent from a number of large insurance companies to obtain the latest news, the domestic insurance industry ranked several large and medium-sized insurance companies have started the claims process, and some of the insurance compensation has been delivered to the customer's hands.　　But relative to more than 50 people killed, 40 missing and many families suffered property losses, the insurance company in this fire is expected to compensate only no more than 10 million yuan. This is because this fire accident is the General property insurance liability scope, but in the whole building of the accident, there are few households insured with the fire responsibility of family property insurance.　　In the words of a property insurance company's senior executives, the current home insurance is insignificant in the overall business of the company.　　Compensation in total no more than 10 million Yuan November 16 4 o'clock in the afternoon, Taiping PICC Shanghai branch staff will be 200,000 yuan Insurance indemnity delivered to Mr. Lu's hands, this is the fire of individual customers get the first insurance compensation.　　Mr. Lu in November 2009 in ICBC a network insurance "financial Intelligence and" comprehensive insurance, the insurance liability covers the accidental injury, accidental medical treatment and family property of the insured himself and his spouse, the child, and this insurance policy, which was almost forgotten by Mr. Lu, brought some compensation for the loss of his family property.　　The largest single insurance compensation for the accident comes from China Pacific Insurance Group: November 16 afternoon, the Pacific insurance to the Shanghai Fire Residential building in the Jiangning Road Street paid 4 million yuan insurance, the policy holder is Jiangning Road, Changning District Street, the policy beneficiary for street residents. And more insurance compensation is for casualties. The largest customer is China peace, according to China Ping An disclosed data, the fire of the Shanghai Teachers building a total of 76 personnel for the company's customers. November 17, Ping An, China Ping an endowment for the death of the fire in the 2 customer families to send 1.225 million yuan and 600,000 yuan claims.　　In addition, the currently confirmed list of China Life, Xinhua and Taiping Life insurance customers each has 4 people.　　Comprehensive calculation, the accident with insurance coverage of less than 100 people, insurance companies will not exceed the total compensation of 10 million yuan. In this accident, few families specifically insured home insurance. Ping An property Insurance department responsible person, the reason may be the lack of awareness of risk, "the domestic people may be chuxian in the home of the situation is lack of knowledge, and because the house is not the insurance company's main push insurance, there is no special Agent system marketing Network, so the market on the few people."　　"In the financial reports of PICC, Ping An and Tai Bao, the three major domestic insurance companies, the premium composition is not listed separately, but is classified as" other "category. A PICC insurance insiders revealed that the current PICC insurance premiums for the cost of money is about 1 billion more. And the information disclosed by PICCshows that as of October 31, PICC insurance premiums have been nearly 130 billion, that is to say, the proportion of the total premium insurance premiums up to 1%, and in the United States and other countries at least 80% of the residents will be insured home insurance. In fact, the source of property insurance protection is fire insurance.　　A person who has been engaged in property insurance research for a long time said that our country's property security business does not use the name of "fire Insurance" directly, but both the Enterprise property insurance and the family property insurance are the kinds of risks developed on the basis of fire insurance, and the fire is the most important underwriting risk. Ping An property Insurance department responsible person said, home property insurance protection targets include housing main body, house decoration and indoor assets, a home insurance and additional insurance annual premium of about 300 yuan-500 yuan, insured amount in about 500,000, for fire, natural disasters, theft, plumbing burst and other risks caused by the loss,　　The insurance company will pay for the actual loss within the insured amount. Home Insurance Outlet It seems that every catastrophe will arouse people's concern about the safety.　　A property insurance company branch director said, just two days after the Shanghai fire, the local fire department to find the company, consultation with the community as the unit insured property insurance matters. PICC, a senior management staff said, home insurance development is not the customer does not have the demand, nor is the insurance company in the risk of low efficiency, integrated its reasons, one is to protect the scope and the needs of the residents do not match; the second is not to find the right channel, because the low premiums, the salesman will not normally actively develop home insurance　　Third, the residents do not have the safety awareness and the insurance industry does not carry out proper publicity. At present, PICC's home insurance business main source of three channels: first, the government to subsidize part of the subsidized housing insurance, the second is from the corporate insurance policy for employees, the third is the distribution of outlets, sales, 1‰~3‰ home insurance rates, each single can bring a small amount of two hundred or three hundred yuan of premiums, compared with the development of car insurance business,　　The Commission income brought by the salesman is much lower. Some insurance companies have adopted new ways to increase the proportion of home insurance in the overall business.　　According to Huatai Insider, Huatai Insurance for the insured mortgage insurance business, if the customer prepayment to the insurance company to return the mortgage insurance, Huatai will persuade it will be the mortgage insurance into home insurance, to retain this part of customers and premiums.　　Huaan Insurance In 2008, the United Merchants Bank Credit card Center launched the "Full House" family property comprehensive insurance, will be generally excluded from the earthquake responsibility of the family included, specifically for high-end customers. "Because of home property insurance mainly insured house furniture, electrical appliances and decoration, for high-end customers, once a fire or a water pipe burst, the loss will be relatively large."　　"A person in Huaan Insurance said.　　A person who worked for the Hong Kong Insurance company said that in Hong Kong, many communities would come forward from owners ' corporations to unify the public liability insurance for a building and negotiate with the insurance company for a cheaper premium for the premiums, which the owners chose to buy. But more people are worried about the liability of too much of home insurance.And insurance is easy to claim. This reporter interviewed a number of high-end people learned that as a result of home property insurance generally do not protect gold and silver, jewelry, antiques, calligraphy and other precious property, also do not guarantee savings passbook, securities, etc., so that many important assets in the family in the category of not insured, but also to the loss of the attractiveness of home insurance;　　It also brings difficulty to the claims. "To do a good job, the product needs to innovate and the way of sale needs innovation." "The PICC said. Prior to that, PICC has a special office to carry out the study of home insurance, in the hope that the remaining large gaps in the risk of a breakthrough.