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地震是一种对人民生命财产安全构成严重威胁、具有极强社会破坏力的巨型灾害。在一个相当长的时期之内,地震的肆虐使其仍然成为人类社会公认的最主要的自然灾种之一。考虑到地震风险的不可回避性,对其造成的损失给予及时、充分的经济补偿,便成为地震灾害对策中的一项重要内容,而以保险的形式补偿各种风险损失,正是当今世界各国普遍采用的一种行之有效的科学方法。但是地震及其灾害有别于一般灾害的特点和规
Earthquake is a huge disaster that poses a serious threat to the safety of people’s lives and property and has extremely strong social destructive power. During a fairly long period of time, the ravages of the earthquake have made it one of the most recognized natural catastrophes in human society. Taking into account the unavoidable nature of earthquake risk and providing timely and adequate financial compensation for the losses it has caused, it has become an important part of the earthquake disaster response. However, it is precisely the compensation of various risk losses in the form of insurance, Commonly used as a proven scientific method. However, earthquakes and their disasters are different from those of general disasters