Xin Lang Cai Jing·2025-07-29 09:38Core Viewpoint - The article highlights the significant impact of extreme rainfall in Beijing, leading to casualties and extensive damage, while emphasizing the proactive measures taken by insurance companies to enhance disaster response and claims processing efficiency [1][2][5]. Group 1: Disaster Impact - As of July 28, Beijing experienced an average rainfall of 165.9 mm, resulting in 30 fatalities and damage to infrastructure, including 31 road sections and 136 villages losing power [1]. - The financial losses from the disaster are estimated at 13.5 million yuan, primarily affecting auto, home, and agricultural insurance [5]. Group 2: Insurance Response - Insurance companies, under the guidance of the Beijing Financial Regulatory Bureau, activated emergency response mechanisms, deploying rescue and investigation vehicles, and preparing emergency supplies [2]. - Multiple insurance firms simplified claims processes, waived certain documentation requirements, and expedited payments, with some claims processed within 40 minutes [4][5]. Group 3: Industry Trends - The insurance industry is shifting from passive claims handling to proactive disaster prevention, focusing on comprehensive risk management [5]. - A new three-tiered insurance system is being piloted in certain districts, integrating public management insurance, agricultural housing insurance, and catastrophe risk reserves [5]. - The industry is exploring innovative insurance products, such as catastrophe bonds and weather-indexed insurance, to enhance coverage and response capabilities [6].