The first is to implement policies that benefit small and medium-sized enterprises

The "Implementation Opinions" require all insurance institutions not to refuse or interrupt the insurance coverage of enterprises seriously affected by the epidemic.

For enterprises to reduce fees and make profits, before the end of June, the average cost of urban and rural microfinance guarantee insurance, comprehensive insurance for construction projects, tariff guarantee insurance and export credit insurance for government unified insurance platforms will be reduced by more than 20%.

Give a certain percentage of premium concessions to enterprises to carry out shipping insurance business such as ship insurance and cargo transportation insurance.

Second, provide professional support for enterprises to resume work and production.

While clarifying the responsibility of enterprises as the main body of epidemic prevention and control, we will organize a team of experts and professionals to provide technical support for the first batch of more than 3,300 enterprises in the city to insure small and micro enterprise property insurance, safety production liability insurance and environmental pollution liability insurance, and gradually expand to other insured enterprises.

Encourage insurance institutions to adopt the "insurance+service" model, and develop exclusive insurance products for all kinds of risks faced by enterprises in the process of preventing and controlling the resumption of work.

Third, support the stable development of foreign trade enterprises.

Export enterprises are encouraged to add pre-shipment insurance, and the proportion of municipal pre-shipment insurance premium support is increased to 50%.

Insurance institutions timely release information such as entry and exit restrictions, international flights and changes in buyer's credit. To help enterprises do a good job in risk monitoring and early warning services. Simplify the procedures of credit insurance claims, and shorten the time of fixed loss claims in related cases affected by the epidemic to less than 2 months.

For export enterprises seriously affected by the epidemic, the time for premium payment shall be appropriately postponed.

Fourth, ensure the supply of agricultural products in the city.

In view of the possible price fluctuations before and after the outbreak of agricultural products, the vegetable price index insurance and other related types of insurance were quickly introduced, covering 6,543,800 mu of vegetable cultivation in the first phase, with a guaranteed amount of 30 million yuan. We will steadily expand the variety of agricultural insurance, stabilize the production and operation expectations of farmers and farmers, and fully guarantee the supply of vegetable baskets.

Verb (abbreviation of verb) expands the coverage of epidemic-related insurance.

Under the premise of controllable risks, the waiting period, deductibles, designated hospitals and other restrictions will be cancelled for customers infected with novel coronavirus in products such as sickness insurance and medical insurance; Support to extend the coverage of short-term health insurance products such as accident insurance, sickness insurance and critical illness insurance to COVID-19.

Six, the introduction of insurance funds to support the resumption of production.

Strive to introduce insurance funds of more than 654.38 billion yuan throughout the year, and provide long-term and stable financial support to related industries and fields that are greatly affected by the epidemic through equity, creditor's rights and funds. Provide comprehensive protection for frontline personnel to resist the epidemic.

In addition, the "Implementation Opinions" also encourages insurance institutions to donate insurance for medical personnel and their families, disease control, traffic control, media reporters, grassroots community cadres and other frontline personnel in epidemic prevention and control; Medical staff, volunteers, grassroots cadres and other frontline staff involved in epidemic prevention and control in our city, who suffer personal injury or death due to COVID-19 infection or other accidents in the epidemic prevention and control work, will be included in public catastrophe insurance, and the maximum amount of compensation can reach 200,000 yuan/person.

Summary of information related to Ningbo's resumption of work: