Core Viewpoint - The launch of the first batch housing safety insurance product in Shenzhen aims to provide comprehensive coverage for aging buildings, addressing risks such as structural collapse and personal injury from falling objects [1][2]. Group 1: Insurance Product Details - The insurance covers 990 aging buildings in the Luohu district, primarily those over 30 years old, with specific focus on the Huangbei and Donghu streets [1]. - The insurance service is a collaboration between the Luohu District Financial Services Office and China People's Property Insurance Shenzhen Branch, utilizing market mechanisms for regular inspections and assessments [1]. Group 2: "Fee Reform and Insurance" Model - The insurance initiative is part of the "Fee Reform and Insurance" model proposed by Luohu, which aims to shift from traditional government subsidies to direct insurance or premium subsidies for risk management [2]. - The model is designed to transform passive compensation into proactive monitoring, early warning, and remediation of potential hazards [2]. Group 3: Responsibilities of the Insurance Company - The insurance company will establish a professional inspection team and employ smart monitoring tools for comprehensive safety checks of insured properties [3]. - A dedicated insurance fund will be created to provide coverage for structural damage, third-party property loss, and personal injury due to accidents [3]. - An information management platform will be developed for online classification and management of properties, generating risk assessment reports to support government decision-making [3]. Group 4: Project Implementation and Scope - Luohu has identified 28 application scenarios and over 40 projects in the "Fee Reform and Insurance" domain, with nine projects already implemented [3]. - The district has a strong foundation for innovation in property insurance, with seven of the top ten property insurance companies in Shenzhen located in Luohu [2].
深圳罗湖给990栋“老房子”买了“养老保险”