我国在应对自然灾害、不明原因群体性疾病传播以及各种群体性事件等突发公共安全事件所造成的损失过程中,往往主要依靠政府拨款和社会捐助进行弥补,但是国家财政和社会捐助非常有限,因此我们可以借鉴国外的巨灾保险制度,利用商事保险来应对这些突发公共安全事件。本文主要是研究我国在建立巨灾保险制度中存在的问题,为我国巨灾保险法律制度的建立和完善提出合理化的立法建议。 In the course of dealing with the losses caused by public security incidents such as natural disasters, the spread of unidentified groups of diseases, and various mass incidents, China often relies mainly on government grants and social contributions to make up for it. However, the state has very limited financial and social contributions , So we can draw lessons from the catastrophe insurance system abroad and use commercial insurance to deal with these unexpected public safety incidents. This paper mainly studies the existing problems in the establishment of catastrophe insurance system in our country and puts forward rationalized legislative proposals for establishing and perfecting the legal system of catastrophe insurance in China.