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在我国,地震保险是一个全新的研究课题,特别是“5·12”汶川特大地震以后,涉地震保险所显现的问题更为突出。地震造成的损失巨大,如何彰显保险制度的风险防范与损失补偿功能有待进一步研究。笔者对涉及地震灾害保险制度的现状进行梳理,比较中外地震灾害保险制度的设置,结合案例分析,找出因地震引发的保险合同纠纷中存在的问题,从制度设计与运行机制等诸多层面提出对策和建议,以期实现在我国建立一套完整的地震保险体系的目标。
In our country, earthquake insurance is a new research topic. Especially after the Wenchuan Earthquake of May 12, the problems exposed by earthquake insurance have become more prominent. The loss caused by the earthquake is enormous, and how to demonstrate the risk prevention and loss compensation functions of the insurance system remains to be further studied. The author sorts out the current situation about the earthquake disaster insurance system, compares the settings of the earthquake disaster insurance system both in China and other countries, and combines case analysis to find out the problems existing in the insurance contract disputes triggered by the earthquake and puts forward the countermeasures from the aspects of system design and operation mechanism And recommendations, in order to achieve the goal of establishing a complete earthquake insurance system in our country.