我们能为海啸投保吗?

大部分围绕如何应对亚洲海啸灾难的讨论都把焦点放在政府赈灾项目和完善预警系统的官方计划上。很少有讨论关注个人风险管理制度,特别是保险制度。

这真是不幸。保险公司提供专业且极为详细的风险管理方案,能在考虑各种须加防范的危险的复杂性基础上,针对个人情况提供创造性的解决方案。促进个人保险业的发展也许看起来是对海啸灾难的一种间接反应,但它却是一种理性且有力的反应。

此次大灾的多数受灾地区都没有保险公司。保险资讯中心(Insurance Information Institute)的一份研究表明,与美国5.23%的比例相比,2003年印度尼西亚财产保险支出仅占全国GDP的0.83%,泰国为1.19%,印度为0.62%。

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