【双语阅读】台风“摩羯”触发巨灾保险,广东保险报案估损1.24亿元

文摘   2024-09-10 18:36   北京  

Super Typhoon Yagi made landfall in Hainan and Guangdong provinces last Friday, causing widespread damage, affecting more than 1.2 million people and leading to insurance claims expected to reach hundreds of million yuan.

今年第11号超强台风“摩羯”于9月6日下午、晚上先后在海南文昌市、广东徐闻县登陆,对海南、广东、广西等多地农业生产造成严重影响,三省区122.7万人受灾。应对灾害,保险业行动迅速,事前防灾减灾、事后早赔快赔。


The storm left four people dead and 95 injured in Hainan province, while devastation was widespread.

Preliminary reports show economic losses in Hainan province surpassing those of Typhoon Rammasun in 2014. In Wenchang alone, the cost was put at 32.7 billion yuan ($4.6 billion), nearly equaling the city’s annual GDP. Combined with Haikou, the economic loss of both cities amounts to 60 billion yuan, one-sixth of Hainan’s GDP in the first half of the year.

The Hainan Department of Agriculture and Rural Affairs said crop damage was extensive, with 1.4 million mu of farmland affected. The loss to farming and fishing industries was put at 12 billion yuan.

初步估计,此次台风对海南省造成的经济损失远超2014年的台风“威马逊”。数据显示,“摩羯”已造成海南省4人死亡、95人受伤,致海南文昌直接经济损失327亿元,接近该市2023年全年GDP;加上海口,两座城市直接经济损失达600亿元,约为海南上半年GDP的六分之一。


The insurance industry acted swiftly to the disaster. Property insurance companies in Hainan reported a surge in claims, with more than 7,600 cases registered by Saturday. Catastrophe insurance payouts were issued quickly, with one company paying out 1.58 million yuan in advance payments to emergency management bureaus.

报案数量随后还在迅速、持续的增加,并触发巨灾保险。据人保财险,截至7日下午,人保财险海南分公司累计接报案7602件。其中,人保财险今年海南首笔巨灾保险已赔付到账,包括一笔150万元和一笔8万元的巨灾保险理赔预付款成功划转到文昌市应急管理局和琼海市应急管理局授权商户账户中。


In Sanya, mango farmers were among the hardest hit, with crops badly damaged by high winds. PICC Property and Casualty Co. Ltd.’s Hainan branch has already paid out 210,000 yuan to the first batch of affected farmers. Many more claims are expected.

Typhoon Yagi also lashed Guangdong province, hitting its western regions hardest. By Saturday, the local insurance industry had received 2,088 claims, with estimated losses of 124 million yuan. The province has already paid out 43 million yuan in compensation, including payments to sugar cane farms and pig farms.

Wreckage left by Super Typhoon Yagi in Zhanjiang, Guangdong, on Sept. 7, 2024.

Guangxi’s coastal areas were worst affected, areas like Fangchenggang and Beihai. The province received 13 typhoon-related insurance reports, with payouts expected to rise as the extent of the damage becomes clearer.

The insurance industry had also taken preemptive steps. PICC Property issued more than 2 million disaster warning messages before the storm hit and had emergency personnel and claims agents ready to act. Their efforts included relocating more than1,800 vehicles and securing key properties to minimize losses, which they estimate at 40 million yuan.

比如人保财险,在截至9月6日下午17时,该公司已累计发布“摩羯”台风大灾预警提示信息超200万条,对重点客户实现100%触达;提前锁定车险维修机构和保全场地超10000个,储备大灾理赔应急人员1552人,储备大灾查勘和救援车辆1336辆。同时,已组织转移风险地区车辆超1800辆,按历史出险经验预估可减损近4000万元;排查非车险重点客户近7000个,转移非车险财产标的400余个,按历史出险经验预估可减损600万元;已组织农险种植险标的灾前抢收超7200亩,养殖险标的灾前转移3700头。


Ping An Property Insurance was also proactive, launching a disaster emergency plan on Sept. 1. The company’s branches in hard-hit areas such as Zhanjiang and Maoming focused on early warnings, risk assessment and resource allocation. These preventative measures identified 28 key risk points before the typhoon struck.



Writing by Denise Jia




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