今年来地震、海啸、飓风等巨灾频发,给人们生命财产带来了巨大的损失。面对接连发生的巨灾引发了人们对巨灾保险制度的广泛思考,本文就我国巨灾保险体系的现状以及未来具体实现的构想进行了综述,并且提出了自己的一些思考。 This year, earthquakes, tsunamis, hurricanes and other catastrophes have caused tremendous losses to people’s lives and property. In the face of successive catastrophes, people have widely thought about the catastrophe insurance system. This paper summarizes the current situation of catastrophe insurance system in our country and the conception of future concrete realization, and puts forward some thoughts of ourselves.