从投保人角度看我国推行地震保险的需求与对策

我国是一个地震多发的国家,地震保险需求巨大。但现阶段,我国推行地震保险还有很多的问题亟待解决。本文站在投保人的角度,从投保人最为关心的几个问题出发,分析认为我国地震推行保险面临的需求问题主要集中在保险费率、强制性、减损和理赔四个方面。经过分析,对我国更好地推行地震保险提出了切实可行的建议:那就是实行灵活的投保费率,适当的强制性措施,充分发挥政府在防灾减损中的作用,建立灵活的赔付方式。

Our country is an earthquake--prone country with huge demand for earthquake insurance. But at this stage in the implementation of earthquake insurance there are many problems to be solved. In this paper, from the insured standing point of view, several issues from the insured are most concerned about, it is believed that problems in the implementation of the insurance in our country focuses on four aspects, i.e insurance rates, mandatory, impairment and adjustments. After analysis, the paper makes some practical suggestions for the better implementation of earthquake insurance： the flexible insurance rates, appropriate coercive measures, giving full play to the role of government in disaster prevention in derogation and flexible payment method.