At 3:30 p.m. on November 18, Hangzhou collapsed subway accident victims in the first 8 search and rescue body was found.
At this time of the accident has been away from the past 3 days. With the aid of a 72-hour gone gold and the other 13 missing workers little hope of survivors.
According to the newspaper obtained from a number of insurance companies, Hangzhou Subway construction of the installation by the People's Insurance All Risks Insurance, Ping An insurance, insurance companies太平洋产险6 co-insurance, the total amount of compensation is expected to reach 5,000 million; and accidents where the tenders for construction workers accident insurance underwriting side is太平洋产险, the total amount of compensation is expected to reach more than 5,000,000 yuan.
4,000,000,000,000 month, the central government to start economic stimulus program, the "capital growth" in the name of the local governments in the near future have to start big investment projects in fixed assets. The subway to the main urban rail transit project the first to be affected. For insurance companies, many of the projects meant to start a huge public Jian-insurance market to open this.
However, the project gets going and goes all relevant, Mass Transit Railway Construction professionals now stretched to their limits, the subway project because of the danger of accidents in Hangzhou to bear the risk of sudden sounded the alarm.
A market share of the cake is a temptation on the other side is already in恶性价格战in recent years, the rapid rate of decline of the MTR's insurance market - insurance dilemma.
The total sum insured 13.7 billion
At 3:20 p.m. on November 15, in four-iron contract Bureau of Hangzhou subway construction site collapse of sudden large-scale road accidents, resulting in Xiaoshan Xianghu Avenue style collapse of the road 75 meters and 15 meters subsidence.
The accident took place in Hangzhou subway project is a project of one line. Hangzhou, according to official data subway, Line 1 began in Xiaoshan Xianghu, finally Xiasha Ze-wen and Lin-Ping Road, Century Avenue, the main city, southern, Xiasha, Linping paragraph, in which the line is 41.36 km , 6.14 km elevated line, on the floor above the transition underground (U-slot) to 0.47 kilometers.
The source, Hangzhou Subway by the end of 2003 to start the test section, and in the first half of 2007 to start clearing the roads, such as pre-engineering, construction and installation works related to the risk of bidding is the end of 2007.
Signed by former co-insurance documents, the project's construction and installation of all third-party liability insurance of the total capital amounted to 13.7 billion yuan, the successful rate of 6.5 ‰. PICC P %26amp; C insurer for the project chief, led the 40% share of the insurance and safety太平洋产险share of the 20% share of the earth 10% share of insurance, Prudential Insurance and Yong Tian An insurance each share of 5% .
"6.5 ‰ in recent years, the MTR insurance tender has been regarded as the better the results." Who had participated in the bidding of former high-level insurance company said. The accident occurred in 2003, the Shanghai Metro Line Four successful rate of only 3 ‰ early.
The source said that compared with other cities of the subway project, the city of Hangzhou, the complex network of underground water, a relatively high risk, according to a recent Shanghai subway expert analysis, "the geology is more complex in Hangzhou, and its water content than the rich in Shanghai, the vast majority Most of all layers of soft soil, the excavation of the MTR, MTR promote the shield project, and other operations, like holes in the cake, construction risk. "
Company co-insurance payments forecast
However, even if this is the case in the domestic market is an "ideal" rate, to participate in co-insurance of insurance companies in the international market is still difficult to complete the temporary step-by-step.
"Even if the provisional rate at 1%, the international reinsurance business will be required to deliver an additional 5,000,000 of the conditions deductible." Retraining certain insurance department said, "In addition, the Shanghai accident, the subway projects internally more difficult The separation. "
July 1, 2003, the Shanghai Metro Line 4-river tunnel between security liaison channel - channel next to the construction work surface soil and sand into the river made, causing the surrounding land subsidence, 3 buildings severely tilted, the Huangpu River Fang Xunqiang Partial collapse of the security projects in only 4 companies to collect 17,500,000 yuan premium payment of the final over 700,000,000 yuan.
As a result, the Hangzhou One line item for nearly 90,000,000 premium, in order to remove a small number of multipliers in the form of reinsurance to the company in another, the rest of the retention are in the hands of companies. Informed sources said that the separation could not, the project set a dangerous every time the maximum compensation for accidents, such as material damage compensation ceiling for a single 1,000,000,000 yuan.
By different insurance companies related to those estimates, the Hangzhou incident of the loss will be far less than the Shanghai incident, the road out of the collapse of about 2,000,000 yuan deductible, insurance companies bear the ultimate payment of the amount will reach up to 50,000,000 Million. And by another between about 20% of the multiplier calculation reinsurance policies to cover a larger share of the People's Insurance, Pacific Insurance and Ping An ultimately pay the amount will rise to about 16,000,000 yuan, 800 million and 8,000,000 yuan.
However, compensation for victims of the same insurance company is about to face the next.
The source, the above-mentioned sum insured the 13,700,000,000 yuan owners insurance program in spite of the responsibility of employers, but the project is limited to employees, as a result of the accident victims are construction workers of the contractor, the payment is not related to the policy.
"Hangzhou project construction workers accident insurance is related to the bid winning contractor were purchased." Informed sources, that "something went wrong bid contractor China Railway Bureau four太平洋产险is the insurer of choice."
At present, domestic work accident insurance market is a popular mode of reunification of the insured, that is, the construction project square by winning the contract as a total cost of the total amount of accident insurance for the personnel involved in the construction insurance and insurance accordance with the conditions for determining the rate assigned to each Members who participate in the construction of the head.
"Everyone in general construction works of the sum insured in the 1-500000 yuan, most of the subway project in the amount of insurance cover in the vicinity of 20-30 million." Informed sources said.
The industry is expected, according to the median calculation, only one of the victims,太平洋产险compensation will be paid 500 million. At press, but that this was not linked to participate in this太平洋产险the Zhejiang branch.
40 city subway negative cake
Nov. 5 of the State Council executive meeting to finalize the 4 trillion to stimulate the economy, re-birth of local governments in the construction of the subway boom.
According to the State Council Development Research Center released the report, China now has more than 40 cities in planning or construction in cities such as subway and light rail transit facilities, has been granted to 15 of the Town Planning in 2015 built 1,700 km of urban rail transit, with a total investment of More than 600,000,000,000 yuan. Beijing, Shanghai, Guangzhou, Shenzhen and other 15 cities in the near future planning of more than 60 lines, planning and construction accounted for 72% of the subway, light rail accounted for 10%.
To Beijing, for example, according to recently released policy, the city's urban rail transit construction will be completed every two years, 100 km, at least the opening of a line of progress forward and spare no effort in 2009 to ensure that the new subway line 4, In 2010 a total of 90,000,000,000 yuan of investment, to achieve the opening of 300 km.
However, participation in a subway project in bidding for the insurance industry for many years it seems, there is a huge hidden risks.
"As far as I know, be it in or around the railway tunnel, subway construction professionals have been working in full load. With all over the 'go faster', the professionals will be a growing gap The greater. The large-scale construction work brought about by the mixed staff, so that construction will inevitably increase the risk further. "He said.
In fact, the last two years, construction accidents frequent. For example, on March 28, 2007 Beijing metro line project on the 10th cave-in accident, 6 workers were buried; January 17, 2008, the Guangzhou Pearl River Bridge under all of a sudden the ground subsidence; April 1, 2008, the Shenzhen Metro 3 Pass Line and the Netherlands 3106 Section 19 of pier construction site, the sudden collapse of the template, 3 dead injury ... 2 ...
On the other hand, pay for the insurance of the main risks are still bogged down in a price war Miju.
In September 2008, the insured amount of up to 15,380,000,000 yuan Shenzhen Metro Line 5 tender insurance, the owners of consultants to design a tiered tender, the rate will be 6.8 ‰ with the upper floor is divided into two parts. The insurance companies can only bid in the bottom of the upper limit of 3.5 ‰ under competitive bidding, insurance and assume the scope of the project due to natural disasters and accidents resulting from each incident 100,000,000 yuan less than the maximum amount of compensation of material damage.
After the disclosure by this newspaper (see Sept. 4, 2008 10 edition of "tens of billions of Shenzhen Metro tiered tender insurance investigation"), although originally scheduled for Sept. 8 opening of the tender delayed for some reason, but never with Prudential Insurance The other two are still small and medium-sized insurance companies accepted these harsh conditions.
Shenzhen Bao Jianju close to the sources, the pass rates of pure risk arrangement has been aroused the attention of regulators.
"Cake, or poison, a need to consider the charges." Above the industry said.
No comments:
Post a Comment