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发电机组损坏保险,江西从1987年底在分宜电厂试办,今年又在南昌电厂试办。分宜电厂位于赣西,是个老厂,属火力发电。全厂6个机组,价值7646万,年交保费30多万元。承保一年,发生机组事故12起,保险赔款40多万元,赔付率为130.8%。开办此险,电力系统认为,这对风险保障深化了一步,企业更加放心;同时也为保险开拓新的服务领域提供了有益的启示。现就结合该险种试办的实践,对该险种的发展前景作点探讨。
Genset damage insurance, Jiangxi from the end of 1987 in Fenyi power plant trial, this year in Nanchang Power Plant trial. Fenyi power plant is located in western Jiangxi Province, is an old plant, is a thermal power. The whole plant six units, the value of 76.46 million annual premiums more than 300,000 yuan. Underwriting one year, there were 12 crew accidents, insurance claims more than 400,000 yuan, the odds of 130.8%. Starting this insurance, the power system believes that this is one step deeper in risk protection, and the enterprises are more at ease. At the same time, it also provides useful enlightenment for insurance in opening up new service areas. Now combined with the pilot practice of the insurance, the prospects for the development of the insurance for some discussion.