我国地震险之所以推行不开,根源在于其商业化的运作模式,保险公司推广地震险的动力不足。甚至,保险公司为了规避风险,特意将地震作为除外责任处理。这次汶川地震再次显出地震保险的重要性。中国需要地震险,包括设立专门的地震保险产品、地震保险基金及其他巨灾保险品种,而地震险的推广与普及,必须在政府的主导下才能真正展开 The reason why China’s earthquake insurance is not implemented is due to its commercialized mode of operation. Insurance companies are not motivated to promote earthquake insurance. Even, insurance companies in order to avoid risks, deliberately the earthquake as an exception to handle. The Wenchuan earthquake once again shows the importance of earthquake insurance. China needs earthquake insurance, including the establishment of special earthquake insurance products, earthquake insurance funds and other catastrophe insurance species, and the promotion and popularization of earthquake insurance must really be carried out under the government’s leadership