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Affected by Typhoon Doksuri, heavy rain has been continuously hitting Fujian, Zhejiang, Jiangsu, as well as the Beijing-Tianjin-Hebei region in China, leading to severe geological disasters caused by flooding. After the occurrence of the disaster, Ping An Group immediately coordinated its four subsidiary insurance companies: Ping An Life Insurance (PAL), Property and Casualty Insurance (P&C), Ping An Annuity Insurance, and Ping An Health Insurance (PAH), to implement emergency response services. These measures include opening a fast-track claims service, lifting restrictions on designated hospitals, providing special advance payment services, ensuring prompt payment of claims, and providing medical expense advances.
As of 1 pm on August 4th, P&C had received a total of 31,916 claims from customers in Fujian, Zhejiang, Guangdong, Beijing, Tianjin, and Hebei regions. The estimated amount for property insurance claims had exceeded RMB610 million, with an estimated amount of over RMB390 million for auto insurance claims and RMB178 million for property insurance claims. P&C had paid out more than RMB2.43 million in Catastrophe Index Insurance claims related to Typhoon Doksuri. The company also dispatched 2,143 claims experts, conducted 12,500 rescue services, and assisted in the evacuation of affected people and vehicles, as well as the restoration of production and daily life in the disaster-stricken areas.
Acting swiftly to provide proactive and convenient on-site claims services for customers, PAL's Beijing branch immediately contacted a customer upon receiving a claim report on August 2nd. After ensuring the safety of the family, PAL’s staffs visited the customer's home and provided on-site claims services. All claim applications were completed within half an hour, and the case was closed within three hours, with a prompt payment of RMB280,000 in claims.
Opening green channels to support business recovery, P&C initiated the "Catastrophe Index Insurance" claims process immediately after the disaster happened in Taizhou. The company’s Zhejiang branch collaborated with local emergency and meteorological departments, quickly obtained claims materials, and calculated the compensation based on meteorological data. The time from receiving the claim report to closing the case was only three hours. P&C completed the payout for “Catastrophe Index Insurance” through online, totalling 512,400 yuan.
Sending timely warning messages and conducting in-depth inspections of safety risks, P&C utilized the DRS2.0 system to predict and assess the disaster situation. The system widely disseminated flood season disaster warnings through channels such as Ping An’s Auto Owner app, SMS, and WeChat, reminding car owners and businesses to pay attention to safe driving and preventive measures. As of August 4th, P&C had issued over 160 million disaster warnings to affected areas related to Typhoon Doksuri. In terms of effectively preventing and monitoring natural disasters, P&C's DRS2.0 system utilizes innovative technologies such as numerical simulation, machine learning, and satellite remote sensing to build identification and early warning capabilities for various disasters such as earthquakes, typhoons, floods, heavy rains, and hailstorms. It provides customers with intelligent disaster prevention guidance. By the end of 2022, through various means such as SMS and WeChat, the DRS2.0 system had sent over 4.41 million disaster prevention warning messages to 2.23 million customers, preventing customers’ losses amounting to over RMB200 million.
Ping An volunteers actively participated in rescue operations. In addition to the claims experts providing professional rescue services on the front lines, Ping An volunteers are also taking action. They proactively reach the front lines of the disaster, participate in emergency rescue operations, assist in the evacuation of affected people, and contribute to the restoration of production and daily life in the disaster-stricken areas. After the occurrence of the disaster, Chang Tao, an employee of P&C's Beijing branch, borrowed a rubber boat and formed a volunteer rescue team with enthusiastic residents in the area. They spent four hours transferring over 20 stranded individuals to a safe area, including a one-year-old baby, several elderly people with illnesses, and a 91-year-old elderly person. The PAL Quanzhou Branch and the Quanzhou Youth Volunteers jointly formed a volunteer service team of 45 people. They have been assisting in community cleanup and sanitation work, helping to quickly restore normal urban order. Wang Hailong, an employee of Ping An Health Insurance's Shijiazhuang branch, actively joined the flood discharge work organized by the village. After three days of sustained efforts, the further spread of floodwaters was effectively prevented, and the lives and properties of local villagers were strongly safeguarded.