Core Viewpoint - The insurance sector in Beijing has received over 5,000 claims related to the recent heavy rainfall, with estimated losses exceeding 150 million yuan [1][2]. Group 1: Insurance Claims and Losses - As of August 3, 2023, insurance institutions in Beijing have accepted a total of 5,330 claims due to the heavy rainfall, with an estimated loss amounting to 154.65 million yuan [2]. - Breakdown of claims includes: 3,034 vehicle insurance claims with losses of 73.23 million yuan; 286 agricultural insurance claims with losses of 9.64 million yuan; 1,670 home insurance claims with losses of 4.95 million yuan; and 340 other property insurance claims with losses of 66.83 million yuan [2]. - A total of 1,105 rescue vehicles have been dispatched by insurance institutions in the region [2]. Group 2: Emergency Response and Services - The Beijing Financial Regulatory Bureau has opened a green channel for claims during the flood season and introduced a "three exemptions" service for submerged vehicles, which includes exemption from on-site inspection, meteorological proof, and free accident rescue [3]. - Consumers are advised to utilize insurance rescue services and contact their insurance companies for assistance in case of accidents or vehicle breakdowns during the flood [3]. Group 3: Weather Warnings and Public Safety - The meteorological department has issued a red rainstorm warning for Beijing, predicting heavy rainfall in various districts, with some areas expecting over 150 mm of rain within six hours [5][6]. - The city has activated a level two emergency response for flood control, with some districts implementing a level one response, advising residents to avoid unnecessary outings [8]. - Multiple scenic areas in Beijing have temporarily closed to ensure visitor safety due to the severe weather conditions [9][10][12][20].

转自：新华财经 "房屋后面的山坡突然就塌了，房子被冲垮，他们都被压住了，我爸去赶紧把她（裴女士）和孩子拉出来，后续我们是被救援队紧 急送达的密云区医院。" 理赔员的困境：客户证明材料缺失，怎么赔？ 了解清楚客户情况后，理赔小组当即准备为裴女士办理理赔。当需要裴女士提供身份证时，理赔流程却陷入了困境。 "没有，什么都没有，手机、银行卡、身份证都被冲走了。" 一边是客户亟需钱款用于治疗，一边是身份证明材料缺失。 7月23日至29日，北京遭遇连续极端强降雨，大部地区累计降水量超100毫米，部分地区超过250毫米，雨势猛烈，密云、怀柔、延 庆、平谷等山区受灾严重。中国平安闻"汛"而动，迅速成立"暴雨洪涝灾害应急处置小组"，第一时间启动应急响应机制，开通24 小时全天候救援理赔服务通道。 "咱们这笔赔款，一定要快！" 7月29日上午9点48分，平安人寿北京分公司接到本次暴雨首笔理赔报案。家住密云区的李先生致电中国平安全国统一服务热线 95511报案称，家里房子被洪水冲垮，爱人裴女士多处骨折，伤情严重，正在医院接受治疗，希望得到平安的帮助。 平安人寿北京分公司立即启动理赔应急预案，召集相关部门迅速开展案情分析。11点30 ...

保险，是家庭幸福的"保护伞"，是风险来临时的"避风港"。然而，在保险服务中，少数不当代理行为和 非理性维权方式，不仅会损害消费者的合法权益，还会扰乱保险市场秩序。今天，我们通过真实案例， 带您看清风险，学会守护自身权益。 赵女士为丈夫购买了一份重疾险，丈夫确诊肺癌后，保险公司经核查发现其投保前已患肺部结节但未如 实告知，依据条款拒赔。赵女士不接受拒赔结果，在某"维权代理"的煽动下，组织多人围堵保险公司营 业厅，拉横幅、喊口号，甚至在网络发布"保险公司拒赔坑人"的不实言论。最终，赵女士因扰乱公共秩 序被警方警告，"维权代理"也卷走了她支付的"服务费"，理赔纠纷仍未解决。 案情回顾： 案例启示： 保险理赔遵循"条款为王"原则，当理赔出现争议时，少数人认为"闹得越大越有利"，甚至轻信"黑代 理"采取过激行为，结果不仅无法解决问题，还可能触犯法律。 拒绝不当维权，平安人寿德州中心支公司提示您： 1、理赔争议先通过保险公司客服热线、官方APP等渠道沟通，了解拒赔原因，理性协商； 2、对结果不满可向投诉处理机构了解当地金融消费者纠纷调解组织联系方式并申请调解，或通过仲 裁、诉讼等途径解决纠纷； 3、警惕"代理维权""全额 ...

Core Insights - The insurance industry in China has shown stable growth in premium income and claims payout in the first half of the year, with total premium income reaching 3.74 trillion yuan, a year-on-year increase of 5.3%, and claims payout amounting to 1.35 trillion yuan, up 9.41% [2] Group 1: Claims Data and Health Risks - The most claimed insurance type by China Life Insurance was medical insurance, with 2.26 million claims and a payout of 3.467 billion yuan, where respiratory diseases, bodily injuries, and digestive system diseases accounted for 52.69% of the claims [2] - The most claimed insurance type by China Pacific Life Insurance was critical illness insurance, with 1.947 million claims and a payout of 9.92 billion yuan, where the highest claims were for malignant tumors, minor strokes, and acute myocardial infarctions [3] - Chronic diseases significantly contribute to medical expenses, with the top five chronic diseases being coronary artery disease, hypertension, hyperlipidemia, thyroid nodules, and chronic gastritis [3] Group 2: Technological Advancements in Claims Processing - Insurance companies are leveraging technology to enhance claims processing efficiency, with Ping An Life introducing an intelligent review engine that can process 93% of claims within 60 seconds [6] - Xinhua Insurance has implemented a direct connection service for seamless claims processing, covering 12 provinces and serving approximately 993 clients with a payout of 3.09 million yuan [7] - The insurance industry has activated emergency claims procedures in response to major disasters, with Tai Ping Life initiating 65 emergency plans in the first half of the year [7] Group 3: Evolving Insurance Landscape - Advances in medical diagnostics and treatment are reshaping the insurance landscape, particularly in life and health insurance, with early diagnosis leading to better treatment outcomes and a shift in risk assessment [8] - The Munich Re report indicates that while cancer remains a leading cause of death claims, the mortality rate has improved significantly over the past few decades, suggesting a need for insurance companies to adapt their policies accordingly [9] - The complexity of critical illness insurance products is increasing, necessitating continuous updates in medical knowledge for insurance professionals to effectively manage claims [9]

Core Viewpoint - PBF Energy reported a mixed performance in Q2 2025, with non-GAAP earnings per share of $(1.03), surpassing analyst expectations, but both earnings and revenue declined year-over-year, with revenue down 14.4% [1][2] Financial Performance - Non-GAAP EPS was $(1.03), better than the estimate of $(1.26) but a 90.7% decrease from $(0.54) in Q2 2024 [2] - Revenue was $7.48 billion, exceeding estimates by over $500 million, but down from $8.74 billion in Q2 2024 [1][2] - Income from operations was $43 million, a recovery from a loss of $(74.6) million in the previous year [2] - EBITDA decreased by 39.9% year-over-year, reflecting operational challenges [2] - Gross refining margin per barrel was $8.38, a slight increase from $8.12 in Q2 2024 [2] Operational Challenges - The Martinez refinery's partial shutdown significantly impacted production, averaging 845,800 barrels per day, down from 926,700 barrels per day in Q2 2024 [5] - West Coast throughput dropped to 203,500 barrels per day from 296,700 barrels per day year-over-year, with gross margin per barrel turning negative due to outages and compliance costs [5][6] - Operational expenses per barrel increased to $7.96 from $6.94 in Q2 2024, with West Coast expenses particularly high at $15.73 per barrel [6] Market Dynamics - Brent crude oil prices averaged $67.70 per barrel, down from $85.02 in Q2 2024, affecting overall performance [7] - RIN costs rose significantly from $3.38 to $6.14 per barrel-equivalent, inflating compliance costs, especially in California [8] - California is projected to need over 250,000 barrels per day of gasoline imports due to refinery closures, with PBF's refineries expected to be essential suppliers [9] Strategic Initiatives - The company is focusing on operational efficiency, cost containment, and restoring damaged assets, with a target of over $200 million in annualized savings from the RBI initiative [4] - Management expects full operations at the Martinez facility to resume by year-end 2025, contingent on regulatory and supply chain timelines [6][12] Financial Position - Total debt increased to $2.39 billion as of June 30, 2025, from $1.46 billion at the end of 2024, with a total debt to capitalization ratio rising to 31% [11] - The company maintained its quarterly dividend at $0.275 per share despite recent losses [11][14] Future Outlook - For Q3 2025, management forecasts throughput of 865,000–915,000 barrels per day, an increase from Q2 2025 but still below last year's levels [12] - Full-year 2025 capital expenditure guidance remains at $750–775 million, excluding Martinez repairs [12] - Management did not provide formal forward earnings guidance for fiscal 2025, citing ongoing market volatility as a key concern [13]

Group 1 - Severe flooding in Beijing's Miyun and Huairou districts has led to significant insurance claims, with a total of 3,448 reports and estimated losses of 80.13 million yuan as of July 30 [1] - The insurance claims include 2,176 vehicle insurance claims with estimated losses of 46.03 million yuan, 165 agricultural insurance claims with losses of 5.38 million yuan, and 905 home insurance claims with losses of 2.89 million yuan [1] - Insurance companies have deployed 1,954 claims personnel and 1,753 rescue vehicles to assist in the disaster response, successfully rescuing 643 vehicles [1] Group 2 - Multiple insurance companies activated emergency response plans to provide rapid assistance to affected individuals, ensuring quick and convenient support for disaster victims [2] - Ping An Property & Casualty initiated a no-difference rescue operation, offering assistance regardless of whether clients had vehicle insurance or were insured by Ping An [2] - A 24-hour claims green channel was established, simplifying claims processes by waiving certain documentation requirements and providing advance payments for vehicle losses [2] Group 3 - PICC Beijing has coordinated with local agricultural and forestry authorities to assess damages from mudslides and landslides, preparing to utilize satellite remote sensing technology for large-scale claims [3] - The company has implemented measures to expedite claims processing for small cases and initiated advance payments for confirmed losses in larger cases [3] - Anhua Agricultural Insurance has proactively contacted farmers to provide claims guidance and disaster response advice, sending out 7,773 warning messages [3] Group 4 - The Beijing Financial Regulatory Bureau encourages consumers to utilize insurance mechanisms for risk prevention, highlighting the importance of various insurance products during flood season [4] - Consumers are advised to read insurance terms carefully and to seek professional assistance when accidents occur during adverse weather conditions [4] - Timely claims applications are emphasized, especially for vehicle loss insurance, which now covers damages from natural disasters like floods [4]

连日来，深圳多家头部寿险机构公布理赔半年报，其中多个数据与深圳年轻人健康趋势息息相关，值得 留意。南都湾财社记者梳理各方数据注意到，深圳青少年高发重疾是白血病，中青年以甲状腺恶性肿瘤 为主，老年人则是肺恶性肿瘤，需重点关注。 白血病是青少年高发重疾，原位癌需重视 平安人寿深圳分公司提供的数据显示，今年上半年其重疾赔付超过3300件，赔付金额近6个亿。 （数据来源：平安人寿深分） （数据来源：平安人寿深分） 年龄分布上，白血病是20岁以下青少年高发重疾。而在21-30岁区间，年轻人的最大"杀手"是甲状腺恶 性肿瘤。上述数据显示，该年龄段重疾理赔高发癌症件数占比达46%。肺部恶性肿瘤则在41岁以上人群 中占比攀升，疾病风险随年龄呈现差异化。 | 癌症类型 | 重疾险理赔中高发 癌症件数占比 | 初筛手段 | | --- | --- | --- | | 肺恶性肿瘤 68 | 14.8% | 低剂量螺旋CT | | 一 肠恶性肿瘤 | 8.5% | 肠镜 | | (只) 甲状腺恶性肿瘤 | 7.5% | 甲状腺B超 | | C 肝和肝内胆管恶性肿瘤 | 5.3% | 腹部超声、血清AFP 标记物检测 | | 2 胃恶 ...

（央视财经《经济信息联播》）在北京密云，因暴雨被淹、被冲走等受损车辆开始打捞，车主如何寻求保险理赔？有哪些注意事项？ 记者在现场看到，不少车辆被洪水冲堆到一起等待救援，这些车辆大部分外观已经变形，车身内部也有大量淤泥。当地还有一些居民的车在洪水中丢失，正 在找车。 记者了解到，当前北京地区保险公司已开通汛期理赔绿色通道，对于汛期泡水车，可以免现场查勘、免气象证明、免费事故救援。此外，保险机构人士特别 提示，如果车辆涉水被淹，水位较高，不要强行启动发动机。正确的做法是关掉电源，联系保险公司或修理厂人员，将车推到旁边无积水处或原地等待专业 人员救援及处理。 平安产险北京分公司消保部队伍运营团队副经理 孟帅：我们联合一些其他的保险公司无差别地进行救援，无论客户有没有保险，我们都会统一进行施救。 我们目前接到水淹车辆事故报案700多笔，预估的损失金额在1200多万元，主要集中在密云。 转载请注明央视财经 编辑：潘煦 总台央视记者 张一雪：在密云区太师屯镇，相较于前两天，现在街上的积水退去很多，街上的工作人员正在清理淤泥，救援队伍正在把受损的车辆从淤泥 里拖出来，就近送到附近的汽车保全场。 人保财险北京分公司车险分部经 ...

近日，华东、华北、东北等地持续遭遇强降雨，引发洪涝和地质灾害，造成北京、河北等地人员伤亡和 财产损失。面对极端天气，中国人寿集团旗下财险公司高度重视，第一时间召开主汛期部署会，同步启 动大灾预案，统筹部署，积极落实各项防汛救灾举措，及时开通理赔绿色通道，确保"应赔尽赔、能赔 快赔"，全力做好灾害应对和保险理赔服务，守护人民生命财产安全。截至7月29日9时，中国人寿集团 旗下财险公司已接到北京、河北、内蒙古地区车险、农险等报案1110余件，正加快开展查勘理赔工作。 北京分公司：闻"汛"而动 全力以"护" 7月27日起，北京市防汛应急响应升至一级，地质灾害预警达红色最高级别。7月28日，暴雨红色预警信 号发布，全市大部6小时降雨量超150毫米，局地达300毫米以上，山区及浅山区山洪、泥石流、滑坡等 灾害风险极高，低洼区域面临严重积水威胁。面对极端天气，中国人寿财险北京分公司全面启动大灾应 急预案，提前部署查勘力量、救援资源及应急物资，全员进入24小时备战状态，以最高标准筑牢防汛安 全屏障。 该公司通过朋友圈、短信等多种渠道推送天气预警，重点向高风险区域居民推送预警信息和避险指南， 同时对低洼路段及时排查，助力民众 ...

近日华东、华北、东北等地持续遭遇强降雨，引发洪涝和地质灾害，造成北京、河北、吉林、山东等地 重大人员伤亡和财产损失。 人民财讯7月29日电，记者29日从国家金融监督管理总局获悉，金融监管总局财险司已向有关金融监管 局、财险公司、银保信公司、保险业协会发布通知，要求全力做好主汛期灾害应对和保险理赔服务工 作，优化理赔流程，加快理赔进度。 转自：证券时报 ...