Two departments： expand the scope of the downturn insurance insurance for urban and rural residents, and double the amount of basic insurance insurance for the disaster insurance
According to the website of the State Administration of Finance and Administration on March 26, recently, in order to better meet the demand for the public disaster protection of the people, the General Administration of Finance and the Ministry of Finance issued the “Ministry of Finance of the State Administration of Finance and Administration of the State Administration of Finance and Administration.Further improving the notice of the Disaster Insurance System (hereinafter referred to as the “Notice”), the release of the “Notice” is of great significance for improving the construction of the disaster insurance system and accelerating the high -quality development of the disaster insurance.
The “Notice” mainly includes three aspects: First, the expansion of the liability for the disaster disaster, with the urban and rural residents’ residential and indoor subsidiaries as the guarantee object, the insurance responsibility expands the typhoons, floods, storms, storms, stormy, stormy, stormy, and rains on the basis of existing destructive earthquakes.Natural disasters such as mudslides and landslides.The second is to increase the amount of basic insurance and realize the amount of basic insurance in the disaster insurance.40,000 yuan per household.Each household can refer to the value of the housing market and negotiate with the insurance company to determine the amount of insurance with the insurance company. The maximum does not exceed 1 million yuan per household, and the part of 1 million yuan can be supplemented by the insurance company with commercial insurance.The third is to support the development of commercial disaster insurance. For insurance liability and guarantee objects other than the existing guarantee content, the community of the residential disaster insurance of urban and rural residents in China can provide commercial insurance supplements to fully meet the differentiated risk protection of each region.need.
In the next step, the State Administration of Finance and Ministry of Finance will continue to track the implementation of the “Notice”. In accordance with the basic principles of government promotion, market operations, and guaranteeing people’s livelihood, encourage insurance companies to provide more comprehensive disaster insurance services due to a more comprehensive disaster insurance service, and gradually establish insurance for insurance.Basic protection of people’s livelihood and high -coverage of Chinese characteristics.
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