5/15 on March 7 to insurance sales of new type insurance due to earthquake of seismic intensity 6 or less
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Observing an earthquake with a seismic intensity of 6 or less, a new type of earthquake insurance has been created that allows a fixed amount of insurance to be paid whether or not the house is damaged.
Earthquake insurance, which provides for damage to buildings and household goods during an earthquake, is a mechanism whereby an insurance company determines the amount of insurance money to be paid after confirming damage to a house or the like.
However, if a large-scale damage occurs, the assessment will take time, and it may take several months before the insurance payment is paid.
Under such circumstances, Tokio Marine & Nichido, a major non-life insurance company, has created a new type of insurance that can pay insurance money even if there is no damage to buildings etc. Has been sold.
The insurance fee is about 10,000 yen per year, and the insurance payment is 100,000 to 500,000 yen depending on the seismic intensity.
In general, non-life insurance is generally based on the amount of damage paid, but new insurance does not assess damage, so insurance is paid within a few days at the earliest.
Insurers pay less than regular earthquake insurance, but insurers believe there is a certain need for funding for rebuilding their lives immediately after being affected by the earthquake.