College of Humanities and Development Studies, China Agricultural University, Beijing 100083, China.
Center for Crisis Management Research, Tsinghua University, Beijing 100084, China.
Int J Environ Res Public Health. 2021 Jun 23;18(13):6743. doi: 10.3390/ijerph18136743.
The COVID-19 epidemic has seriously affected global economic and social development. The extent to which insurance can play a role in preventing and transferring the risk of infectious diseases has become one of the major concerns of the community. This paper first analyzes the main contents of the U.S. Pandemic Risk Insurance Act during the COVID-19 epidemic and its insights to the global audiences. Then, on the basis of the definition of global pandemic, this paper analyzes the great challenges faced by the insurability of the infectious diseases' catastrophe from the regional impact, risk accumulation, correlation with capital markets, and accuracy of catastrophe model, and the insurability of local infectious diseases. Finally, this paper presents the key points of the top-level design of the risk transfer mechanism of infectious disease insurance in China. This paper is informative in understanding the role of insurance in the risk transfer of infectious diseases.
新冠疫情严重影响了全球经济和社会发展，保险在防范和转移传染病风险方面能够发挥多大作用，成为社会各界关注的焦点之一。本文首先分析了美国《新冠病毒大流行援助、救济和经济安全法案》在新冠疫情期间的主要内容及其对全球受众的启示。然后，基于全球大流行病的定义，从区域影响、风险积累、与资本市场的相关性以及巨灾模型的准确性等方面分析了传染病巨灾保险面临的巨大挑战，以及地方传染病的可保性。最后，本文提出了中国传染病保险风险转移机制顶层设计的要点。本文对于了解保险在传染病风险转移中的作用具有参考价值。
