Core Viewpoint - The article emphasizes the urgent need to strengthen catastrophe insurance mechanisms in response to increasing extreme weather events and climate change, highlighting its role in safeguarding public safety and property [1][3]. Group 1: Catastrophe Insurance Development - Catastrophe insurance is recognized as an important economic stabilizer and social safety net, with recent events in Guangdong demonstrating its effectiveness in providing timely financial support during disasters [2][3]. - As of the end of 2024, catastrophe insurance in China has provided risk coverage for 64.39 million households, amounting to 22.36 trillion yuan, with expectations to exceed 70 million households by 2025 [3][4]. - The development of catastrophe insurance is transitioning from regional pilot programs to nationwide coverage, supported by policy initiatives and industry efforts [3][4]. Group 2: Product and Service Optimization - Catastrophe insurance focuses on proactive prevention rather than just compensation, with companies like PICC leading efforts to create a comprehensive risk management system that includes pre-disaster prevention, response, and post-disaster compensation [4]. - Technological advancements have significantly improved the efficiency of catastrophe insurance, with innovations such as catastrophe index insurance speeding up claims processes and enhancing disaster response [4][5]. - New index-based catastrophe insurance products are being developed to address various extreme weather events, leveraging big data and AI for better risk assessment and pricing [4]. Group 3: Reinsurance and Risk Management - Reinsurance plays a crucial role in the catastrophe insurance ecosystem, providing a mechanism for risk dispersion and supporting the stability of the insurance market [5]. - The establishment of specialized catastrophe risk management companies, such as Zhongcai Catastrophe Risk Management Co., enhances the capacity for managing and transferring catastrophe risks [5]. Group 4: Collaborative Efforts and Future Outlook - Despite progress, there is still significant room for improvement in the coverage and protection levels of catastrophe insurance, necessitating collaborative efforts among government, enterprises, and society [6][7]. - Future initiatives will focus on enhancing the catastrophe insurance system, improving public awareness of risks, and optimizing data-sharing platforms to better manage catastrophe risks [7]. - The ongoing development of standardized catastrophe insurance products and services aims to expand the scope and effectiveness of risk reduction efforts [7].

6月24日，广东金融监管局发布数据显示，截至6月20日上午，为应对台风"蝴蝶"及强降雨灾害，截至6 月20日上午，全辖保险业累计接报案1.87万件，估损金额4.39亿元，已支付保险赔款6043.28万元（含预 付赔款2785.69万元）。 广东金融监管局及时指导辖内金融监管分局、支局和保险机构迅速开展台风强降雨防范应对和保险理 赔，切实发挥保险业在事前防灾、事中减灾、事后救灾全流程风险管理的功能作用。截至6月20日上 午，辖内保险机构累计发送台风预警信息超2118.77万条，开展企业现场摸排走访760家次，发现风险隐 患275处，累计投入服务人员超7719人次、查勘救援车辆3489辆次、无人机290架次，投入防灾减灾物资 61.78万元。 为应对本轮灾害，广东保险业第一时间启动车险大灾互认应急响应机制，首次启用"大灾互认救助 APP"，按照统一防御、统一施救、统一查勘、统一定损部署。五家财产险机构提前巡查1090个易涝 点、水淹黑点，协助转移车辆200台。灾后定损互认方面，肇庆、茂名、阳江、东莞、中山、云浮等6个 地市已启动定损互认，目前已对2470件水浸案件开展定损互认，实现高效赔付。 （文章来源：广州日报 ...

南方财经记者 庞成 郭晓洁 广州报道 据了解，为应对台风"蝴蝶"，广东金融监管局靠前指导强化责任担当，迅速组织保险行业做好全力应 对，统筹做好灾前灾中防灾减灾救灾，及时开展灾后理赔，做到应赔尽赔、早赔快赔。截至6月20日上 午，辖内保险机构累计发送台风预警信息超2118.77万条，开展企业现场摸排走访760家次，发现风险隐 患275处，累计投入服务人员超7719人次、查勘救援车辆3489辆次、无人机290架次，投入防灾减灾物资 61.78万元。 为有效提升灾害期间车险处置效率，6月11日，广东保险业先行启动车险大灾互认应急机制，首次启 用"广东大灾互认救助APP"，按照统一防御、统一施救、统一查勘、统一定损部署，有效提升灾害期间 车险处置效率。平安财险、人保财险、太保产险、国寿财险、中华财险等五家机构协同分工，按片区对 广东全省1090个易涝点、水淹黑点开展全面防御巡查。灾后定损互认方面，肇庆、茂名、阳江、东莞、 中山、云浮等6个地市已启动定损互认，目前已对2470件水浸案件开展定损互认，实现高效赔付。 广东金融监管局表示，将继续按照金融监管总局和广东省委、省政府有关部署，认真落实灾害事故应急 处置工作要求。 ...

转自：新华财经 新华财经上海5月28日电（记者 王淑娟）5月份，北京市曾局地突降冰雹，各险种报案超4万件，估损金额高达3亿元。湖北多地也曾遭遇强降雨天气，局地 出现特大暴雨，引发内涝、山体滑坡等次生灾害，各险企已接到报案超4000笔、报损金额超过3300万元……近年来的极端天气给保险业带来新挑战。目前， 我国不少险企积极探索气候及巨灾保险，区域特色明显，但整体仍面临需求障碍与数据鸿沟等挑战，且存在较大保障缺口。气候保险发展还差哪些火候？ 因地制宜，多地落地气候保险机制 我国气候保险体系建设起步较晚，但近年来取得了不少进展。各地气候条件并不相同，因地制宜设计产品是气候保险的一大特点。 每年夏秋季，我国东部沿海地区都会遭受台风的影响，造成物质财产损失、营业中断损失等。因此，热带气旋巨灾指数保险应运而生。2024年夏天，上海遭 遇"双台风"，保险赔付金额最大的一起财产险报案，就是热带气旋指数保险产品，被保险人为上海浦东某大型主题公园，赔付金额超过3000万元。 四川是国内较早试点巨灾保险的地区。在近期举办的"西博会"上，四川省副省长李文清出席中国太保主办的"气候保险的实践与探索研讨会"时表示，四川充 分发挥保险的重 ...