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1.期待“灾强险”。从国际巨灾保险的成功经验来看,为确保巨灾保险的覆盖面,当然也包括美国、日本等一些发达国家和地区都采用了一定程度的法律强制性保险制度,欧盟国家就是通过立法要求所有登记的城市住宅必须投保强制性巨灾保险,通过强制保险建立国家巨灾准备金。我国也有必要建立巨灾强制保险制度。国家应制定法规,明确巨灾保险的政策性保险地位
Expect “strong disaster risk ”. From the successful experience of the international catastrophe insurance, to ensure the coverage of catastrophe insurance, of course, including the United States, Japan and some other developed countries and regions have adopted a certain degree of legal compulsory insurance system, the EU countries are legislated to require all Registered urban dwellings must be covered by mandatory catastrophe insurance and set up a national catastrophe reserve through compulsory insurance. It is also necessary for our country to establish a compulsory insurance system for catastrophe. The state should formulate laws and regulations to clarify the policy insurance status of catastrophe insurance