Zhong Guo Xin Wen Wang·2025-07-11 06:02Core Viewpoint - The article highlights the effective use of satellite remote sensing technology by China Life Property & Casualty Insurance Tibet Branch in handling disaster claims following a flash flood in the Jilong Port area, showcasing a significant advancement in disaster prevention and reduction within the Tibetan insurance industry [1][2]. Group 1: Disaster Event - A flash flood occurred on July 8 at 5 AM in the Jilong Port area, leading to multiple people missing and the collapse of the Sino-Nepal Friendship Bridge [1]. - The disaster also damaged parts of an ongoing infrastructure renovation project, which was insured by China Life Property & Casualty Insurance Tibet Branch [1]. Group 2: Claims Process - The company initiated its major disaster emergency response plan immediately after the incident [1]. - Traditional manual inspections in high-altitude geological disaster areas face challenges of low efficiency and high risk, prompting the company to innovate with a "sky-ground integration" inspection model [1]. - By utilizing pre- and post-disaster multi-spectral satellite imagery, the company was able to automatically identify damaged areas and create a three-dimensional loss model [1]. Group 3: Response and Compensation - Within 24 hours of receiving the claim report, the company reached a compensation agreement with the insured party and advanced a payment of 1.5 million yuan [1][2]. - This payment was the first advance compensation for engineering insurance in the Tibetan insurance industry following the disaster [2]. - The company implemented six emergency measures to enhance disaster claims service, including multi-channel reporting, simplified documentation for quick payments, and proactive support for major claims [2].