Core Viewpoint - The rapid response and efficient claims processing by the catastrophe insurance consortium in Wenzhou during Typhoon "Danas" highlights the effectiveness of the catastrophe insurance system in providing economic compensation and stabilizing expectations during major disasters [1][2]. Group 1: Catastrophe Insurance Response - The catastrophe insurance consortium, consisting of six insurance companies, activated its emergency response mechanism immediately upon the formation of Typhoon "Danas," utilizing technology to complete claims payments of 2.1 million yuan swiftly [1]. - The consortium implemented a 24-hour dynamic monitoring system, leveraging big data for precise tracking of the typhoon's path and rainfall information [1]. - The first claim payment was processed in just 1 minute and 25 seconds, with subsequent claims also completed with "hour-level" response efficiency [1]. Group 2: Impact on Recovery - On July 9, the total claims amounting to 2.1 million yuan were fully paid out, aiding affected residents and businesses in quickly restoring their production and living conditions [2]. - The efficient claims payment was a result of the consortium's reliance on a fully online operational model, which simplified processes and reduced timeframes [2]. - By 2025, the consortium plans to further enhance its use of technological tools to optimize the entire disaster prevention and mitigation service system [2].

● 本报记者 赵白执南 5月4日22时30分许，受强对流天气影响，四川省阿坝藏族羌族自治州汶川县突发短时大风天气灾害，造 成县域内多处民房受损。灾情发生后，人保财险阿坝州分公司理赔中心8名工作人员连夜组成4个查勘小 组，于次日上午9时许到达受灾现场开展查勘工作。漩口镇百花村受灾群众杨清洪看到人保理赔人员到 达现场后，带领理赔人员到受损位置拍照。经过查勘核实，保险公司赔付杨清洪家本次事故损失340 元。 虽然金额不大，但这笔迅速赔付是巨灾保险发挥保障居民生命财产作用的缩影。要做到迅速赔付，需要 提前做好资金准备，迅速调动资源、联动各方力量。同时，还要运用科技手段进行智能查勘与精准定 损。多方准备缺一不可。据人保财险副总裁张道明介绍，人保财险制定了"加快保险理赔19项""大灾预 赔快赔30条"等专项政策，依托大灾理赔预赔快赔体系，推动实现了"摩羯"台风过后两周内赔付进度超 80%、西藏定日6.8级地震震后10天民生类险种全部赔付到人到户的大灾理赔"人保速度"。 "我国巨灾风险具有复杂、多发、集中的特点，70%以上的城市、50%以上的人口分布在自然灾害严重 的地区。巨灾保险作为现代应急管理体系的重要组成部分，在完善 ...