海南实现巨灾保险19个市县全覆盖

Core Insights - Hainan Province has achieved full coverage of catastrophe insurance across all 19 cities and counties, with the policy set to take effect on November 1, 2025, marking a significant advancement in utilizing insurance mechanisms to address major natural disasters [1] Group 1: Insurance Implementation - The Hainan Financial Regulatory Bureau has collaborated with the Provincial Finance Department to issue the "Hainan Province Catastrophe Insurance Implementation Plan," aimed at enhancing the role of insurance in disaster management [1] - The optimized catastrophe insurance plan has three major improvements: expansion of coverage from pilot areas in Wenchang and Qionghai to the entire province, inclusion of major natural disasters such as typhoons, floods, and heavy rain, and coverage of residential housing loss, household property loss, and personal injury compensation [1] Group 2: Coverage and Compensation - The specific coverage standards include a maximum compensation of 40,000 yuan for residential housing loss per household, 5,000 yuan for household indoor property loss, and 200,000 yuan for personal injury compensation per household [1] - The insurance plan introduces a differentiated risk coefficient design, allowing for precise pricing based on the risk characteristics of each city and county, with an annual premium total of 88 million yuan and a compensation limit of 1 billion yuan over a 5-year insurance period [1] - The expected compensation rate for housing and indoor property loss is projected to reach the international average level of 30% [1]