Core Insights - The article highlights the rapid response of the insurance industry in Shenzhen following Typhoon Haikui, particularly focusing on the "Shenzhen Huijia Bao" insurance product which was launched less than two months prior to the typhoon [2][3] Group 1: Product Overview - "Shenzhen Huijia Bao" is a public welfare family property insurance product developed by 23 property insurance companies in Shenzhen under the guidance of the Shenzhen Insurance Association [2] - The product covers major household risks including fire, explosion, typhoons, heavy rain, and falling objects, and is applicable to both owned and rented properties [2] - Since its launch, "Shenzhen Huijia Bao" has provided risk coverage for over 54,000 households, becoming a crucial safety net for families against natural disasters [2] Group 2: Claims and Response - As of September 30, the "Shenzhen Huijia Bao" received 80 claims related to the typhoon, with a total loss amounting to 139,200 yuan, and 77 claims have been processed [2] - Specific case examples include a tenant whose property suffered water damage due to the typhoon, receiving a compensation of 2,900 yuan on the same day the claim was filed [3] - Another case involved a homeowner whose balcony glass shattered, receiving a compensation of 2,000 yuan within an hour of reporting the claim [3] Group 3: Operational Efficiency - The insurance claims process for "Shenzhen Huijia Bao" is designed for efficiency, with online claim assessments and payments being completed within hours [3] - The insurance coverage typically becomes effective within three days of purchase, allowing for quick protection against unforeseen events [3]

Core Viewpoint - The newly launched "Shenzhen Huijia Bao" is a government-guided, inclusive family property insurance product aimed at enhancing the safety of household assets for residents in Shenzhen, with a low annual premium starting at 58 yuan [1][2][11]. Group 1: Product Features - The basic coverage premium is as low as 58 yuan per year, and it is available for all residents aged 18 and above with a fixed residence in Shenzhen, regardless of whether they own or rent their homes [1][3]. - The insurance covers common household risks such as fire, explosion, typhoon, heavy rain, and falling objects, with additional personalized coverage options available for policyholders [1][2][7]. - The basic coverage includes protection for the main structure of the house (coverage of 1.5 million yuan), interior decoration (coverage of 50,000 yuan), and personal property (coverage of 50,000 yuan), along with third-party liability for fire and explosion (coverage of 100,000 yuan each) [3][4]. Group 2: Additional Coverage Options - Policyholders can purchase additional coverage for specific risks, such as "pipe burst protection" for 30 yuan per year, which offers an 80% compensation ratio for damages caused by water leaks [5]. - Another optional coverage is "family member accident protection," which covers accidents occurring to family members within a specified area, with a maximum coverage of 100,000 yuan for an annual premium of 20 yuan [5]. Group 3: Government and Community Support - The launch of "Shenzhen Huijia Bao" is a result of over 100 representatives from the Shenzhen Municipal People's Congress advocating for a family property insurance scheme to enhance residents' ability to mitigate financial losses from disasters [11][12]. - The product's design and implementation involved collaboration between government departments, insurance companies, and community representatives to ensure its reliability and effectiveness in addressing urban risks [12][13].