保险业筑牢灾害安全屏障

Core Insights - Munich Re's 2025 Natural Disaster Loss Report highlights significant economic losses due to climate change, estimating total losses at approximately $224 billion, with the insurance industry bearing around $108 billion of this amount [1] - Meteorological disasters are identified as the primary risk factor, accounting for 92% of global losses and 97% of insurance losses [1] - The report emphasizes the increasing frequency and severity of extreme weather events linked to climate change, with recent years being the warmest on record [1] Group 1: Global Impact - The report indicates that multiple natural disasters in 2025, such as wildfires in Los Angeles and hurricanes in the North Atlantic, are closely related to climate change [1] - The economic losses from natural disasters in the Asia-Pacific region reached approximately $73 billion, surpassing the 10-year average of $66 billion, while insurance losses were only about $9 billion [2] - The report notes that low-income countries have an insurance penetration rate of less than 5%, exacerbating the impact of natural disasters [2] Group 2: Regional Challenges - In China, natural disasters in 2025 primarily included floods, geological disasters, earthquakes, and typhoons, affecting over 67 million people and causing direct economic losses of approximately 241.6 billion yuan [2] - The Ministry of Emergency Management's data highlights the urgent need for the insurance industry to enhance its integrated service capabilities for disaster prevention, emergency response, and timely compensation [2] - A new policy aims to expand the coverage of catastrophe insurance to include common natural disasters, effectively doubling the basic insurance amount [3] Group 3: Insurance System Development - The establishment of a multi-layered catastrophe risk diversification system is underway, with pilot programs in over 20 provinces to strengthen disaster prevention and mitigation [3] - The report underscores the importance of a robust catastrophe insurance system in enhancing societal disaster response capabilities and risk prevention [3] - There remains significant potential for growth in both commercial and government-led catastrophe insurance in terms of coverage and depth of protection [3]