“非典”危机对保险市场的影响主要集中反应在承保和理赔两大方面。 承保方面: 首先,表现为国际承保人将对那些直接或间接受赔付压力威胁,或预期保费收入锐减的险种提高费率的趋势已初见倪端。依据目前的情况分析,“非典”对承保实际物质损失的险种影响不大,但对那些承保间接损失的险种有一定影响,如活动(包括赛事、演 The impact of the “SARS” crisis on the insurance market has mainly focused on two major aspects: underwriting and claims. Underwriting: First, there appears to be signs of a trend for international insurers to raise their rates for those who are directly or indirectly under pressure to pay repayments or to expect a sharp drop in premium income. According to the current situation and analysis, “SARS” has little effect on the insurance of actual material losses, but has some influence on those insurances that cover indirect losses, such as activities (including events, performances