Providing door-to-door unlocking, toilet cleaning and other services... "Shanghai Home Insurance" was launched today, with an average daily guarantee of less than 0.25 yuan | Family | Service

Release time:Apr 14, 2024 15:51 PM

Today, the first government guided urban customized inclusive family comprehensive insurance product in Shanghai, "Shanghai Home Insurance," was officially launched after a year and four months. "Hujiabao" is jointly developed and launched by five property and casualty insurance companies, including People's Insurance of China, Pacific Insurance, Taiping Insurance, China Life Insurance, and Bank of China Insurance, as the first batch of representatives to establish the "Hujiabao" Insurance Service Alliance. With the support and coordination of the Shanghai Insurance Industry Association, it is under the supervision of the Shanghai Regulatory Bureau of the State Administration of Finance.

In March last year, the former China Banking and Insurance Regulatory Commission and the People's Bank of China jointly issued a notice on strengthening financial services for new citizens, proposing to "promote family property insurance, enhance the ability of new citizen families to resist property loss risks", and clearly listed "exploring the development of new urban and rural resident family property insurance" as a key regulatory work in 2022. In June last year, the former Shanghai Banking and Insurance Regulatory Bureau, the Shanghai Branch of the People's Bank of China, and the Shanghai Local Financial Supervision and Administration jointly issued a notice on doing a good job in financial services for new citizens, proposing to encourage the development of family property insurance, explore the "insurance+service" model, and strive to form a replicable and promotable "Shanghai model".

In order to better meet the actual needs of Shanghai, the "Shanghai Home Insurance" Insurance Service Alliance has conducted extensive market research in the local area of Shanghai, deeply tapping into the actual needs of Shanghai residents and new citizens. Based on similar products in multiple cities across the country, they have learned from each other's strengths and weaknesses, and ultimately designed family property insurance products that meet the actual needs of Shanghai residents.

For a long time, there have been difficulties in compensating for personal and family property losses, such as limited coverage, low amounts, and insufficient protection. The main protection responsibility of ordinary family property insurance is the property protection of family houses. Compared with other similar family property insurance products, the risk protection of "Shanghai Family Insurance" is more comprehensive. In addition to general family property protection, it also covers third-party liability, accident protection, and life services.

In the aspect of comprehensive protection of family property, insurance protection is provided for the fire, explosion and other accidents suffered by the house and its indoor auxiliary equipment, interior decoration and indoor property, as well as losses caused by natural disasters such as typhoon and rainstorm. At the same time, temporary rental protection, pipeline rupture protection and indoor robbery protection are also provided.

In terms of third-party liability protection, including personal injury and property damage caused by high-altitude falling objects, fires, explosions, and pipeline ruptures.

In terms of personal accident protection, "Shanghai Family Insurance" can cover three generations of the whole family, and is not limited to the house. It also protects accidents that occur in public areas of the community, including falling objects in public areas, elevator accidents, fire and explosion accidents, Death or disability caused by gas accidents.

In addition, in terms of daily services, "Shanghai Home Protection" also provides one household appliance cleaning service, one door-to-door unlocking service, one toilet cleaning service, and one legal consultation service.

The "Shanghai Home Insurance" protection plan is divided into an inclusive version and a city version. The former has a premium of 89 yuan/year/household, providing up to 1.2 million yuan of protection, while the latter has a premium of 189 yuan/year/household, providing up to 2.3 million yuan of protection. The coverage for various insurance liabilities in the city version is higher, for example, the coverage for personal accidents in the city version is 450000 yuan, which is 50% higher than the inclusive version. In addition, the urban version of the plan includes one free household appliance cleaning service.

At the same time, "Shanghai Family Insurance" has no registered residence restrictions, and the number of people who can be insured is very wide. As long as they are 18 years old or older, they can buy insurance for their own houses and rented houses, and support landlords to buy insurance for tenants and enterprises to buy insurance for employees.

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