Policy Interpretation: The first (set) major technical equipment insurance compensation mechanism (below)

Abstract [Editor's note] The Ministry of Finance, the Ministry of Industry and Information Technology, and the three ministries of the China Insurance Regulatory Commission jointly issued the "Notice on Launching the First (Set) Major Technical Equipment Insurance Compensation Mechanism Pilot Work" and decided to establish the first (set) major technical equipment insurance. Compensation Mechanism. Major technical equipment is off...
[Editor's note] The Ministry of Finance, the Ministry of Industry and Information Technology, and the three ministries of the China Insurance Regulatory Commission jointly issued the "Notice on Launching the First (Set) Major Technical Equipment Insurance Compensation Mechanism Pilot Work" and decided to establish the first (set) major technical equipment insurance compensation. mechanism. Major technical equipment is a strategic product that is related to national security and the lifeline of the national economy, and is an important symbol of the country's core competitiveness. Introducing the insurance compensation mechanism for the transformation of the first (set) major technological equipment innovation results is an important measure to give play to the decisive role of the market mechanism, accelerate the autonomy of major technological equipment, and serve the national innovation-driven development strategy, and promote the high-end transformation of the equipment manufacturing industry and build China. It is important to make an upgrade. The following will explain the questions and concerns of everyone.

Note: The link address in the upper part of this article: Policy Interpretation: The first (set) major technical equipment insurance compensation mechanism

12. Is the product damage caused by the manufacturer's cause (such as product design defects) being within the scope of claims?
belong. The normal claims procedure can be carried out for any risk caused by the insurance company as a manufacturer.

13. Can I be insured in different places?
Participating co-insurance member companies and separately insured insurance companies have established branches throughout the country. In order to improve the efficiency of insurance underwriting and claims processing, and provide quality services, the first (set) insurance business cannot be insured in different places.

14. Can the affiliated company be insured?
An affiliated enterprise refers to an enterprise that has direct or indirect control relationships or significant influence relationships with other enterprises. Affiliated companies generally do not underwrite insurance in accordance with insurance practices because of their special interests. In order to do the first (set) insurance pilot, the insurance company will carefully define whether the company has a related problem, strengthen communication and negotiation on the insurance issue, analyze the relevant risks and the feasibility of underwriting, and formulate a coverage plan. For insurance companies that intentionally create insurance accidents and defraud insurance claims, the insurance company will not pay, and the three ministries will report.

15. How do non-independent legal persons apply for insurance subsidies?
The unit applying for insurance subsidy in accordance with the regulations shall be an independent legal person registered in the territory of the People's Republic of China. When a non-independent legal person applies for insurance subsidy, it must apply through the parent company with independent legal personality.

16. How do you understand the “quality defects” in the insurance clause? How to judge as a defect?
According to Article 46 of the Product Quality Law: "The defects referred to in this Law refer to the unreasonable danger of the product endangering the safety of the person and the property of others; the product has national standards for safeguarding human health and personal and property safety, The industry standard means that the standard is not met." The criteria for judging the existence of defects are as follows:

(1) Whether the product has an unreasonable danger. The first is the general use of the product; the second is the normal use of the product; the third is the identification of the product; the fourth is the intrinsic characteristics of the structure and raw materials of the product; the fifth is the use time of the product.
(2) Whether the product meets the national or industrial standards for safeguarding human health and personal and property safety. One is the design flaw; the second is the defect on the raw material; the third is the manufacturing defect; the fourth is the flaw on the indication.

17. How to understand the “first claim to the insured” in the clause? Can I only pay compensation once?
This is a habitual expression of the insurance company's requirements for the “claims during the period” of the insurance clause. It does not mean that the equipment manufacturer can only make one claim within the insurance period. The insurance company requires the enterprise to file a claim for the first time within the insurance period, mainly to determine the time of the claim, and to prevent the equipment manufacturer from continuing to file a claim in the new policy year for the insurance case that was previously insured or has been claimed.

18. How to determine the time and insurance period of the sales contract?
For the determination of the insurance period, in principle, the manufacturer shall deliver the product, the purchaser shall confirm that the equipment has received the insurance date of the insurance period, and the warranty period is one year. For the insured products, the product can be renewed, but the principle of the central financial subsidy period Not more than 3 years. (Finish)

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