The ceiling of insurance coverage for construction accidents of houses is tripled
In a conversation with Iran Economist, Ali Fanadi Naini said about the government’s plan to cover all residential houses: the building natural accident insurance fund was established by the parliament in 1999, and all buildings and residential units with official electricity distribution by taking an amount A small amount of the electricity bill is covered by the natural disaster insurance of the building.
He said: The natural disaster insurance fund insures people’s buildings against 9 natural disasters such as earthquakes, floods, lightning, landslides, mountain falls, tsunamis, and heavy snow.
The Deputy Director of Planning and Development of Central Insurance said in further explanation: The insurance premium paid by the people for natural disaster insurance of the building was 24 thousand Tomans during the year, which was added to the monthly electricity bill by 2 thousand Tomans, and the building was covered by insurance against the aforementioned accidents. .
He said: The ceiling of insurance coverage for each building unit was 30 million tomans, which of course is very small, but for the 1403 budget bill, we followed up to increase the government’s share of building natural disaster insurance and the share of vulnerable groups such as those covered by the Imam Khomeini Relief Committee. (Reh) and the welfare organization will be zero, but the insurance coverage limit of the natural disaster fund will increase to 100 million tomans.
Fanadi Naini said: The people’s share of building natural disaster insurance premiums will be 90 thousand tomans annually and 7500 tomans monthly, and the government’s total share of building natural disaster insurance is expected to be 7 thousand billion tomans, but against the ceiling of coverage for each residential unit in When natural disasters occur, it increases to 100 million Tomans.
He also said: Of course, 100 million Tomans is insignificant compared to the damage of a residential unit, but this building natural accident insurance is a basic insurance, and building owners can purchase additional insurance policies through insurance companies, and there is a problem regarding the building’s coverage ceiling. There will be no compensation for natural damage.
He also said: From the beginning of the building natural disaster insurance fund until January 10 of this year, 291 billion tomans worth of damages against natural disasters such as earthquakes and heavy snow have been paid for 18,936 residential units.
According to Iran Economist, considering that the insurance penetration rate in our country is about one-third of the insurance penetration rate in the countries of the world, in order to increase the culture of buying insurance from the people, various plans should be implemented, including the initiative to design a building accident insurance fund. He also mentioned the cooperation between insurance and the bank to sell various insurance policies on credit to the people.
On the other hand, according to economists, investment and economic growth happen from the place of national savings, which is one of the important means of increasing national savings is the boom in life insurance, savings and life insurance, but in inflationary conditions, people are less willing to buy life insurance, because the value of their money In contrast to inflation, it decreases regularly, so life insurance companies must make effective and high-yield investments in order to maintain the decrease in the value of people’s assets against inflation, so that people are more encouraged to buy life insurance.
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