Compensation standard for house collapse: the maximum compensation for each household is 20,000 yuan, ranging from 4,000 yuan, and the cumulative compensation limit in the province is 200 million yuan.
According to the disaster situation, the Provincial Department of Finance will further expand the scope of pilot counties on the basis of voluntary applications from cities and counties within the total budget. 2 1 Pilot counties and cities: Yueyang County, Huarong County, Changde City (Economic Development Zone), Dingcheng District, Hanshou County, Tianjin City, Linli County, Yongding County, Wulingyuan District, Cili County, Sangzhi County, Yiyang City (Datong Lake District), Heshan District, Nanxian County, Taojiang County and Yongzhou City (at the same level).
Compensation standard for house collapse: the maximum compensation for each household is 20,000 yuan, ranging from 4,000 yuan, and the cumulative compensation limit in the province is 200 million yuan.
The trigger criteria for claims are as follows:
1, trigger standard for personal death and house collapse insurance claims In the administrative area of a city or several counties and cities adjacent to cross-city states, natural disasters such as floods and rainstorms and secondary disasters such as sudden landslides, mudslides and reservoir dam breaks occur, and one of the following circumstances occurs during the disaster process:
(1) More than 7 people (inclusive) are dead or missing;
(2) More than 30,000 people (inclusive) who need emergency resettlement and emergency living assistance;
③ More than 3,000 houses collapsed and were seriously damaged or 1 1,000 households (inclusive).
In a county, one of the following situations occurs when a disaster occurs:
(1) More than 4 people (inclusive) are dead or missing;
② More than 6,543,800 people (inclusive) need emergency resettlement and emergency life assistance;
③ 0/800 houses collapsed, seriously damaging houses (inclusive) or more than 600 households (inclusive).
2, agricultural catastrophe insurance claims trigger standard
(1) The Provincial Disaster Reduction Committee launched an emergency mechanism for natural disaster relief above Grade IV;
(2) Taking counties and cities as statistical units, natural disasters such as rainstorms and floods within their administrative areas have reached the orange warning level monitored by meteorological departments. The above two conditions can be met at the same time to start the claim. However, when the flood comes, it is not enough to just wait for the government to give economic assistance. It is better to have commercial insurance. For example, shops and home appliances are flooded. If you have commercial insurance, you can find an insurance company to settle claims. Without insurance, you can only admit that you are unlucky.
Most agricultural insurance products have responsibilities such as "flood" and "typhoon". For rural areas, houses should be big assets, and PICC's "farm house insurance" can compensate for the collapse or damage of farm houses caused by floods, and the Pacific also has "rural family property insurance", which can guarantee 20,000-30,000 yuan in 40 yuan. According to industry insiders, in the face of such a catastrophe as flood, the basic insurance liabilities of major property insurance are guaranteed, and the key is to purchase in advance according to their own risk needs.