11月26日下午，香港新界大埔屋邨宏福苑多栋住宅楼发生火灾，造成重大人员伤亡。这场事故不仅暴露 了高层住宅在施工期间叠加的火灾隐患，更将与之深度绑定的保险保障机制推至风口浪尖。针对多栋住 宅楼及住户，保险能否理赔各类损失，又是否能通过各类险种获得覆盖，随着承保方中国太平保险（香 港）有限公司（以下简称"太平香港"）作出回应，一场关于风险保障与防灾减灾的深度讨论也已展开。 在业内人士看来，保险不再仅是灾后补偿的工具，需成为贯穿楼宇设计、施工、运营全周期的风险治理 伙伴，才能真正筑牢城市安全防线。当前风险管理仍有较大空间，尤其在老旧小区改造、高层建筑维护 等领域，需建立动态排查机制与差异化风控方案。 或触发数亿港元级赔付 香港新界大埔宏福苑火灾事故牵挂着全国人民的心。 11月27日下午，针对这一火灾事故保险情况，太平香港表示，太平香港承保了宏福苑维修工程项目的建 筑工程全险、建筑雇员赔偿保险，业主立案法团第三者责任险以及财产全险、公众责任险，并承保了部 分住户的家居保险、家佣险。 该公司还表示，事故发生后，已迅速启动应急机制，将按照保险合约，坚持"能赔快赔、应赔尽赔、合 理预赔"的原则，积极做好保险理赔及客户服务 ...

11月26日下午，香港新界大埔屋邨宏福苑多栋住宅楼发生火灾，造成重大人员伤亡。这场事故不仅暴露了高层住宅在施工期间叠加的火灾隐患，更将与之深 度绑定的保险保障机制推至风口浪尖。针对多栋住宅楼及住户，保险能否理赔？各类损失又是否能通过各类险种获得覆盖？随着承保方中国太平保险（香 港）有限公司（以下简称"太平香港"）作出回应，一场关于风险保障与防灾减灾的深度讨论也已展开。 在业内人士看来，保险不再仅是灾后补偿的工具，需成为贯穿楼宇设计、施工、运营全周期的风险治理伙伴，才能真正筑牢城市安全防线。当前风险管理仍 有较大空间，尤其在老旧小区改造、高层建筑维护等领域，需建立动态排查机制与差异化风控方案。 或触发数亿港元级赔付 香港新界大埔宏福苑火灾事故牵挂着全国人民的心。 11月27日下午，针对这一火灾事故保险情况，太平香港表示，太平香港承保了宏福苑维修工程项目的建筑工程全险、建筑僱员赔偿保险、业主立案法团第三 者责任险以及财产全险、公众责任险，并承保了部分住户的家居保险、家佣险。 该公司还表示，事故发生后，已迅速启动应急机制，将按照保险合约，坚持"能赔快赔、应赔尽赔、合理预赔"的原则，积极做好保险理赔及客户服务，与社 ...

Group 1 - The article discusses the longevity of American billionaires, noting that one-fifth are over the age of 80 or 90, and highlights that this does not necessarily lead to retirement [2][8] - Warren Buffett, at 95, continues to actively participate in his company, Berkshire Hathaway, and has announced plans to step down as CEO by the end of the year, although he will remain involved in some capacity [3][20] - The article mentions that there are currently a record 36 billionaires aged over 90 in the U.S., with 150 more aged over 80, contrasting with the general population's life expectancy [8][9] Group 2 - The article provides examples of other billionaires over 90 who remain active in their businesses, such as George Joseph, who is 103 and still serves as chairman of Mercury General [4][11] - Rupert Murdoch, at 94, retains significant influence in his company despite stepping down from the CEO role, and his succession plans have faced legal challenges [5][9] - The article notes that the high percentage of billionaires living past 80 may be attributed to their access to superior healthcare, nutrition, and lifestyle choices [9][10] Group 3 - The article lists the ten oldest billionaires in the U.S., including George Joseph (103), Alice Schwartz (99), and Warren Buffett (95), detailing their contributions and current roles in their respective companies [11][12][20] - It highlights that many of these billionaires attribute their longevity to active engagement in work and maintaining mental sharpness through problem-solving and physical activity [10][11]