4 Chuan Wenchuan after the earthquake, Swiss Re's Asia Division of property and special risk insurance business will Tak Lee, vice president (Peter Zimmerli) an interview with reporters that the human can not control the earthquake itself, but can through a variety of ways to reduce the losses caused by the earthquake. According to Swiss Re in the rest of the world experience, a total of the national insurance scheme is to resist the earthquake disaster risk of an effective method.
Li Bi, said the post-earthquake insurance companies and local customers in the assessment of claims will begin soon, but the general awareness of insurance in the region is relatively low density.
According to reports, and other global markets, Swiss Re has been developed specifically for the Chinese seismic risk assessment model. According to model, from the history of earthquake activity, May 12 Wenchuan County in Sichuan Province to the earthquake affected areas are high-risk earthquake zone.
Swiss Re against China on the status of natural disasters that China's complex climate, geographic conditions varied, vulnerable to natural disasters hit, including earthquakes, typhoons and floods pose the greatest threat.
Li Bi, said the earthquake model can be used to estimate losses, but this disaster-stricken areas need to know the amount of the specific location of the distribution. Unfortunately, the reinsurance companies access to the vast majority of the insured amount for the distribution of the data are the provinces of the statistics unit. This data not detailed enough, it is difficult to model the earthquake in the quake Wen Chuan such as a single case of natural disasters and provide a reliable estimate of the loss.
It is understood that the individual can not afford to pay or long-term accumulate the reserve is not enough to bear the loss of property, there are two basic ways to compensate: credit, government subsidies or private donations for disaster compensation insurance in the form of pre-disaster compensation .
Lee Tak will be explained, pre-disaster and post-disaster compensation compensation compared to have many advantages, because the pre-disaster compensation for the victims of prior agreement of the amount of compensation so that they do not have to rely on external donors owing to security matters is the pre-disaster agreement, the compensation can In place soon, after the occurrence of disasters can quickly restore the economy. If formed through a large-scale insurance risk groups, all the personal property losses can get compensation, and this will enable the Government to focus resources on ensuring safety and post-disaster rehabilitation of essential infrastructure; can pay the premium to the public Improve risk awareness.
Li Bi, said that although insurance can not eliminate natural disasters brought about the devastating consequences, but comprehensive insurance able to respond to disasters caused financial losses to provide an effective solution. Will deal with unexpected losses of the necessary burden shifted to the insurance companies, will help the country's economic development and social stability.
LI Bi, said the China's insurance companies, underwriting earthquake risk is very challenging, is the main reason for earthquake disaster of "low-frequency, high-loss" characteristics. According to Swiss Re in the rest of the world experience, a total of the national insurance scheme is an effective way to ensure that everyone can afford the premiums on the basis of providing extensive coverage of the insurance coverage.
Li Bi, said the post-earthquake insurance companies and local customers in the assessment of claims will begin soon, but the general awareness of insurance in the region is relatively low density.
According to reports, and other global markets, Swiss Re has been developed specifically for the Chinese seismic risk assessment model. According to model, from the history of earthquake activity, May 12 Wenchuan County in Sichuan Province to the earthquake affected areas are high-risk earthquake zone.
Swiss Re against China on the status of natural disasters that China's complex climate, geographic conditions varied, vulnerable to natural disasters hit, including earthquakes, typhoons and floods pose the greatest threat.
Li Bi, said the earthquake model can be used to estimate losses, but this disaster-stricken areas need to know the amount of the specific location of the distribution. Unfortunately, the reinsurance companies access to the vast majority of the insured amount for the distribution of the data are the provinces of the statistics unit. This data not detailed enough, it is difficult to model the earthquake in the quake Wen Chuan such as a single case of natural disasters and provide a reliable estimate of the loss.
It is understood that the individual can not afford to pay or long-term accumulate the reserve is not enough to bear the loss of property, there are two basic ways to compensate: credit, government subsidies or private donations for disaster compensation insurance in the form of pre-disaster compensation .
Lee Tak will be explained, pre-disaster and post-disaster compensation compensation compared to have many advantages, because the pre-disaster compensation for the victims of prior agreement of the amount of compensation so that they do not have to rely on external donors owing to security matters is the pre-disaster agreement, the compensation can In place soon, after the occurrence of disasters can quickly restore the economy. If formed through a large-scale insurance risk groups, all the personal property losses can get compensation, and this will enable the Government to focus resources on ensuring safety and post-disaster rehabilitation of essential infrastructure; can pay the premium to the public Improve risk awareness.
Li Bi, said that although insurance can not eliminate natural disasters brought about the devastating consequences, but comprehensive insurance able to respond to disasters caused financial losses to provide an effective solution. Will deal with unexpected losses of the necessary burden shifted to the insurance companies, will help the country's economic development and social stability.
LI Bi, said the China's insurance companies, underwriting earthquake risk is very challenging, is the main reason for earthquake disaster of "low-frequency, high-loss" characteristics. According to Swiss Re in the rest of the world experience, a total of the national insurance scheme is an effective way to ensure that everyone can afford the premiums on the basis of providing extensive coverage of the insurance coverage.
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