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闻“风”而动!保险业全力迎战“桦加沙”,巨灾险仍面临三大挑战
Guo Ji Jin Rong Bao·2025-09-25 16:00

Core Viewpoint - The article highlights the impact of Typhoon "Haikashan" on the insurance industry in China, emphasizing the swift response of insurance companies and the importance of catastrophe insurance in mitigating financial losses from natural disasters [1][2][4]. Group 1: Typhoon Impact and Response - Typhoon "Haikashan" made landfall in Guangdong on September 24, 2023, with maximum wind speeds of 40 m/s, potentially becoming the strongest typhoon of the year [1]. - The financial regulatory authority issued a notification to enhance monitoring, preparedness, and claims processing in response to the typhoon [1][2]. - By September 25, insurance companies in Guangdong had received 11,400 claims with estimated losses of 229 million yuan, and had paid out 21.26 million yuan in claims [1]. Group 2: Insurance Industry Actions - Insurance companies activated emergency response mechanisms, mobilizing resources for claims, underwriting, and customer service to effectively manage the disaster [2]. - The notification emphasized the need for risk assessment, resource allocation, and internal collaboration among insurance firms to enhance disaster response capabilities [2]. - Companies like China Pacific Insurance and China Life Insurance implemented rapid claims processes, achieving quick payouts even before the typhoon made landfall [3]. Group 3: Catastrophe Insurance Development - China has been developing catastrophe insurance as a crucial part of its emergency management system, with pilot programs launched in various regions since 2014 [4]. - The average annual growth rate of catastrophe insurance premiums has exceeded 40% from 2014 to 2023, with total premiums reaching 1 billion yuan [4]. - The recent typhoon triggered catastrophe index insurance in Zhanjiang, resulting in a quick payout of 10.2 million yuan within 24 hours [5]. Group 4: Challenges and Recommendations - The insurance industry faces challenges such as low coverage levels, inadequate market mechanisms, and insufficient product innovation, with payouts covering only about 10% of disaster losses [6]. - Recommendations include enhancing top-level design, innovating risk dispersion mechanisms, and strengthening data support for better risk assessment [6]. - Increased awareness and education on natural disaster risks among individuals and small businesses are necessary to improve insurance penetration rates [7].