筑牢万亿元防灾屏障巨灾保险覆盖纵深待突破

Core Viewpoint - The increasing frequency and severity of natural disasters due to climate change necessitate the expansion and enhancement of catastrophe insurance as a critical tool for risk management and disaster mitigation [1][3]. Group 1: Importance of Catastrophe Insurance - Catastrophe insurance has played a significant role in disaster risk management, providing over 20 trillion yuan in risk coverage for residents in 2024 [1]. - The insurance community has provided 22.36 trillion yuan in catastrophe risk protection to 64.39 million households in 2024, highlighting its extensive reach [3][4]. - The rapid response and compensation processes, as demonstrated by the swift payout of 340 yuan to a disaster-affected resident, illustrate the effectiveness of catastrophe insurance in safeguarding lives and property [2]. Group 2: Coverage and Depth of Catastrophe Insurance - Despite the progress, the coverage and depth of catastrophe insurance need further expansion, as the current penetration rate is low, with only about 10% of disaster losses covered by insurance compared to a global average of 40% [4][5]. - The voluntary nature of residential catastrophe insurance limits its uptake, with varying coverage rates across different regions [4][5]. - Local pilot programs have shown success in adapting catastrophe insurance to specific regional needs, but broader implementation is still required [4][6]. Group 3: Technological and Policy Developments - The insurance industry is encouraged to invest in technology to improve risk assessment and data sharing, which are currently hindered by fragmented data across various departments [5][7]. - Recent policy initiatives, such as the "National Ten Articles" and the "Overall Emergency Plan for Sudden Incidents," emphasize the importance of catastrophe insurance and aim to enhance its development [6][7]. - The establishment of a unified catastrophe data sharing platform and the development of high-precision catastrophe risk models are recommended to improve the effectiveness of catastrophe insurance [7].