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巨灾因其破坏力巨大,导致的直接损失极大,远远超出了商业保险公司的承保能力和偿付能力。我国应建立以政府为主导,商业保险和再保险为补充的多层级的巨灾风险分担机制。商业巨灾保险产品的设计及风险管控策略:开发地震附加险产品,制定行业产品标准,考虑巨灾产品服务的特殊性,加强巨灾产品的销售管理,加强巨灾的防灾防损以及保险公司自身的安全性。
Catastrophe, because of its destructive power, caused immense direct costs far beyond the underwriting and solvency of commercial insurance companies. China should establish a multi-level catastrophe risk sharing mechanism supplemented by government, commercial insurance and reinsurance. Commercial catastrophe insurance product design and risk control strategy: the development of additional seismic products, the development of industry product standards, taking into account the special nature of catastrophe products and services, strengthening the management of sales of catastrophe products, strengthening catastrophe prevention and loss prevention and insurance The company’s own safety.