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一、巨灾保险制度的缺位巨灾保险和再保险缺乏。目前,专门的巨灾商业保险和再保险非常缺乏,能为地震等巨灾埋单的险种只有寿险、个人意外伤害险等保险。还没有适用于地震保险等巨灾保险的独立条款和费率。商业保险及再保险对巨灾风险承保水平跟发达国家相比还有很大差距。我国
First, the absence of catastrophe insurance Catastrophe insurance and reinsurance lack of. At present, there is a lack of specialized catastrophe commercial insurance and reinsurance. Only insurance policies such as life insurance and personal accidental injury insurance can pay for insurance policies such as earthquakes and other catastrophes. There are no separate clauses and rates applicable to catastrophe insurance such as earthquake insurance. Commercial insurance and reinsurance Catastrophe risk insurance levels compared with developed countries is still a big gap. My country