However, some construction engineering insurance and installation engineering insurance may include earthquake insurance, and there is also an earthquake extension insurance attached to business property insurance. But only those who purchase the earthquake extension insurance can get compensation.
Within the scope of personal insurance, the insurance liabilities of health insurance, life insurance, personal accident insurance, personal accidental medical insurance, student group insurance, travel accident insurance, etc., all include responsibilities for damages caused by earthquakes. This means that if the insured under a life insurance product dies in an earthquake, the insurance company will pay out death benefits, and injuries or hospitalization treatments will be compensated according to the contract terms. This also applies to juvenile insurance.
Compared with personal insurance, most property insurance products currently available in the domestic insurance market do not cover losses caused by earthquakes. In the exclusion clauses of many domestic property insurance companies' "property insurance comprehensive policy" and "all-risk property insurance," it is clearly stated that "all losses caused by earthquakes" are excluded.