刍议国际地震保险投保率

Some Discussion on Rate of Earthquake Insurance Covering in the World

地震灾难带来的损失日益增加的问题,让保险业至今难以应对。地震发生频率低、损失巨大而保险公司的承保能力又十分有限,加之,社会公众的投保意识薄弱,造成地震保险投保率过低。从地震灾情入手,介绍了国际地震保险开展情况,剖析了地震保险投保率过低的原因,并针对问题提出了解决措施。

The issue that losses caused by earthquakes have been increasing makes insurance companies hard to deal with. The low rate of earthquake insurance covering are due to low possibility of earthquakes with large loss, limited capacity of insurance companies to pay insurance and low awareness of public on insurance. In this paper, started from seismic disaster, the international situation on earthquake insurance is introduced, the reasons for low rate of earthquake insurance covering are given and the measures to solve this problem are proposed.