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地震保险制度是巨灾保险制度的重要内容,通过保险这一经济手段补偿因地震灾害所造成的经济损失,可减轻政府和社会救助的压力,提升灾后重建的效率,增强灾区民众对新生活的信心。我国台湾地区于2002年初步建立了地震保险制度。对促进其巨灾风险管理体系的发展发挥了重要作用。台湾与大陆同属一个中国,同文同宗,血脉相连,深入研究台湾地区的地震保险制度,对于大陆探索建立巨灾保险制度具有重要参考价值。
Earthquake insurance system is an important part of catastrophe insurance system. Through economic means of insurance, it can compensate for the economic loss caused by earthquake disaster, relieve the pressure of government and social assistance, enhance the efficiency of post-disaster reconstruction and enhance people’s awareness of new life confidence. China’s Taiwan region in 2002 initially established an earthquake insurance system. Played an important role in promoting the development of its catastrophe risk management system. Taiwan and the mainland belong to the same China, Tong Wen same clan, and are deeply rooted in the study of the earthquake insurance system in Taiwan. This is of great value to the Mainland in exploring and establishing a catastrophe insurance system.