Case details
On February 20th this year, 12, a fire broke out in a villa in Qingpu, Shanghai at 6 o'clock in the morning. Sun bought and lived in the villa on fire, and there were 8 people, 6 of whom were trapped, 2 were rescued and 4 died. The fire community is located in Qingpu, Shanghai, near the International Commodity City and the Xijiao International Agricultural Products Trading Center. Residential areas are mainly divided into high-rise buildings and villas. The fire broke out in a villa area in a residential area, with three floors. At 7: 00 19, the fire was put out. Through the live video shot by netizens, it can be seen that fires and smoke are constantly emerging inside and outside the villa, and rescuers on the spot set up rescue ladders and water spraying devices for rescue. We learned that three generations lived in the burning villa. When the fire broke out, three people ran out of the fire. The fire killed four people.
In recent years, cases of casualties caused by fires have occurred from time to time, especially in densely populated residential buildings, which are prone to fire accidents, not only causing losses to their own homes, but also bringing devastating damage to their neighbors and huge losses.
Then, if there is an unfortunate fire, how can insurance pay for it? What kind of insurance can I pay for?
1. What is the fire insurance?
First of all, family property insurance can be paid, which is the fire risk of urban and rural residents or individuals. Because it is aimed at families or individuals, the main responsibilities include fire and theft. Simply put, it is family housing insurance, which mainly compensates for the losses caused by accidents. These accidents include lightning strike, rainstorm, flood, typhoon, tornado, snowstorm, fire, debris flow, cliff collapse, sudden landslide and other fixed objects collapse, resulting in the loss of the main body of the house. For example, a burst heating pipe in the north, a typhoon scraping the glass in the south, a fire caused by the aging of home circuits and a fire caused by gas leakage are all possible scenarios. However, according to the different coverage, it can be divided into family property comprehensive insurance, gas insurance, water pipe burst insurance, anti-theft insurance and so on. Because these types of coverage are too small, it is best to buy comprehensive family property insurance.
Family property insurance belongs to loss compensation insurance and will be compensated according to the principle of loss compensation. In other words, how much the family lost because of sudden accidents, and the amount of insurance in the guarantee responsibility represents the upper limit of compensation. For example, if a house is burned by fire, it will not be compensated directly according to the market price of the house, which has nothing to do with the purchase price of the house at that time. Knowledge will be compensated according to the value needed for redecorating and living.
Secondly, in addition to buying a family property insurance at home, people's lives are also vulnerable to loss when the fire comes, so we can buy accident insurance, medical insurance, critical illness insurance and medical insurance in advance, which may play a role. For example, medical expenses caused by burns or evacuation injuries can be reimbursed through accident insurance or accidental medical liability in separate medical insurance; If it's a little more serious, and the extensive burns reach the third degree (burns reach the whole skin or even subcutaneous, muscle and bone), in addition to medical reimbursement, you can also get a one-time compensation for personal accident insurance through critical illness insurance and accident insurance, and you can also pay.
Second, what should we allocate to protect our property and people?
Accidents or diseases happen every day. We all know that insurance can give financial compensation, help families tide over difficulties and ensure their lives. What should we allocate to protect our property and people before the accident comes?
This problem should be analyzed from several aspects.
First, prevent family members from suffering from serious diseases. For example, what if a family member is seriously ill? This is unbearable for many families, because it will cause at least one person's income to be interrupted, and the treatment cost will be hundreds of thousands, which will cause great losses to the family, so the risk of serious illness needs to be guaranteed. We can use medical insurance and critical illness insurance for protection. At present, many products provide more humanized configuration, which is divided into three grades according to the severity of the disease. Once the disease is diagnosed or reaches a certain state in the terms, it can be paid according to the insured amount.
Second, prevent the loss caused by the death of family members. Many people's families have a family pillar, which is the main source of income. Once they fall, their families can't bear it mentally, and their material life is hard to maintain, which is undoubtedly worse. Therefore, we should also pay attention to the risk of death of family pillars caused by diseases or accidents. Therefore, life insurance and annuity can be allocated in advance to reduce family losses. Ordinary families can configure term life insurance with low premium. This kind of insurance generally only needs to be configured for the economic pillar of the family.
Third, prevent losses caused by unexpected accidents. In addition to the diseases we mentioned above, there are also sudden accidents, such as falls and burns, which cause serious disability or death by various external forces. Therefore, we also need to pay attention to accident risks, which can be guaranteed by medical insurance and accident insurance, to ensure compensation for death or disability caused by accidents, and to ensure medical expenses caused by accidents. Death compensation is left to family members, and disability can be used as treatment and rehabilitation expenses. Secondly, in order to prevent family property losses caused by accidents, such as fires, rainstorms, mudslides and other sudden disasters, it is necessary to configure family property insurance.
Finally, because the types of insurance companies in the market are more or less different, we must understand the scope and precautions of insurance when configuring insurance. If you don't know anything about insurance, you can search for "Baibaojun" in Baidu. "Baibaojun" has a professional insurance consultant team, which can match the insurance consultant who suits you and help you choose insurance better.