巨灾属于破坏性极强、危害性极大的风险,包括自然灾害中的洪水、风暴、地震、旱灾、森林火灾等和人为事故中的重大火灾、大爆炸、重大交通事故、恐怖活动,以及像非典疫情和禽流感等传播性疾病等。为了应对这些巨灾,减少人员伤亡和经济损失,保障社会,各国保险业采取了很多行之有 Catastrophe is a highly destructive and potentially dangerous risk, including natural disasters such as floods, storms, earthquakes, droughts, forest fires and other major fires in man-made accidents, big bangs, major traffic accidents, terrorist activities, and Like SARS and bird flu and other transmission diseases. In order to cope with these catastrophes, reduce human casualties and economic losses, and safeguard the society, the insurance industry in various countries has taken many actions