巨灾保险

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织密民生保障安全网——巨灾保险的四川实践与探索
Zheng Quan Ri Bao· 2025-05-11 15:06
Core Viewpoint - The article emphasizes the importance of catastrophe insurance in managing disaster risks in China, particularly in Sichuan province, which faces significant natural disaster threats due to its complex terrain and history of earthquakes [1][2]. Group 1: Catastrophe Insurance Development - Sichuan has prioritized the development of catastrophe insurance as a key social project to enhance coverage and ensure livelihood protection [1]. - Since the 2008 Wenchuan earthquake, Sichuan has been a pioneer in exploring earthquake catastrophe insurance, creating a localized insurance scheme for urban and rural residents [1][2]. - China Pacific Insurance has been the chief underwriter since 2015, covering over 12 million households and providing risk protection exceeding 300 billion yuan, with 11 claims triggered [2]. Group 2: Policy and Regulatory Framework - In November 2024, a new work plan for urban and rural residents' catastrophe insurance was jointly issued by the Sichuan Financial Regulatory Bureau and the Sichuan Provincial Finance Department, aimed at improving disaster protection levels and alleviating government financial burdens [2][3]. - The plan is expected to provide valuable experience for the nationwide promotion of catastrophe insurance [2]. Group 3: Future Outlook - The Sichuan branch of China Pacific Insurance aims to deepen product supply-side reforms and expand the coverage of catastrophe insurance, transforming local advancements into significant contributions to national catastrophe insurance development [3]. - The establishment of a multi-layered catastrophe insurance system, combining policy-based and commercial insurance, has made notable progress in recent years [3].