目前,在一些地震灾害较为严重的国家,都建立了比较完善的地震保险制度,在抗震减灾方面发挥了重要作用。由于地震保险制度的缺失,我国在应对地震灾害方面面临着非常严峻的考验。对于我国这样一个地震多发国家,亟需构建巨灾保险制度,以保障和服务民生。 At present, some countries with more serious earthquake disasters have established sound earthquake insurance systems and have played an important role in earthquake disaster prevention and reduction. Due to the lack of earthquake insurance system, our country faces a very severe test in response to the earthquake disaster. For such an earthquake-prone country as China, it is imperative to build a catastrophe insurance system to guarantee and serve the people’s livelihood.