9月30日，南都湾财社记者从深圳保协了解到，台风过境期间，截至9月30日，"深圳惠家保"共受理报案 80起，损失金额13.92万元，目前已完成77起报案的理赔工作。 深圳保协方面也披露了一些案例。9月24日，人保财险深圳市分公司接到罗湖区租户罗先生报案，据其 描述，受台风"桦加沙"影响，他所租住的房屋发生漏水，导致室内装修因雨水浸泡受损。接到索赔申请 后，人保财险当天通过线上方式查勘财产损失，核定赔付金额为2900元，并在当天完成了赔款支付。 深圳市民夏女士因台风"桦加沙"导致家里阳台密封玻璃顶部碎裂。平安产险保险与客户协商，一次性赔 付2000元。从接到报案到理赔款支付到账用时不足一小时。 业内人士提醒，"深圳惠家保"作为政策性普惠型家庭财产保险，通过i深圳全年开放线上投保，保险保 障一般会在投保后3日生效。 采写：南都湾财社记者 卢亮 一天内完成理赔到账？9月24日，今年第18号超强台风"桦加沙"过境深圳，也成为保险行业的一次集 体"赶考"，其中普惠型家庭财产保险产品"深圳惠家保"成为看点。 值得注意的是，"深圳惠家保"的正式上线，距本次超强台风登陆还不到两个月。 早在今年7月28日，深圳市保险业协会牵头 ...

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].