关键词: 巨灾, 巨灾损失补偿, 巨灾保险, 中国模式

Abstract: Disaster is an abnormal phenomenon, which changes always accompanying with the continuous development of human society. And catastrophe that usually results in cut-throat consequences brings serious threat to human-beings with its huge power of destructive. As a natural phenomenon, the cost of disaster is inevitable as well as the disaster itself. Therefore, we must face up to catastrophe and do deep research on it. There is necessary to establish a special catastrophe insurance system in order to reduce economic losses of catastrophe, as an effective supplementary of normal compensation mechanism. Such a catastrophe insurance system should be established based on the special situation and specific type of catastrophe in China.

Key words: Catastrophe, Indemnity of Catastrophe, Catastrophe Insurance, Chinese Model