我國正式出臺地震巨災保險制度出爐

The Chinese Insurance Regulatory Commission and Finance Ministry jointly issued a catastrophe home insurance plan last Monday.

中國保監會與財政部上週一聯合印發了居民住宅巨災保險制度實施方案。

According to the plan, 45 insurance companies have joined the program which will issue special insurance products providing post-earthquake compensation, especially focusing on residential homes.

據悉，目前已有45家保險公司加入。該方案將推出地震後賠償的特殊保險產品，專門針對的是居民住宅問題。

The statement says in the first phase, the basic insurance coverage will be 50 thousand yuan for urban dwellers and 20 thousand yuan for rural ones.

該方案稱，運行初期，城鄉居民住宅基本保額分別爲每戶5萬元、2萬元。

The catastrophe insurance system is designed to ease the burden on the government and public finances.

巨災保險制度旨在減輕政府與公共財政的負擔。

A special insurance reserve fund supported by MOF will be set up, and legislation for the plan will be sped up, according to the plan.

根據該方案，財政部將設立巨災保險基金，巨災保險制度方案的立法程序將加快。

In China, post-disaster reconstruction is mostly financed by the state, or through public and private donations, while in the West, insurance has proven effective in dealing with the aftermath of such calamities.

在中國，災後重建主要是由國家資助，或通過公共和私人捐款完成的，不過在西方，用於處理這樣的災難後果的保險制度已被證明是可行的。