面对巨型灾害造成的大规模损害,传统保险法的运作机制无法有效应对。各国保险法律制度通过专门立法或者扩大既有强制性保险的范围加以规制。我国已经开始了对巨灾保险的立法尝试,但规定还相当原则,需要从费率确定、再保险机制、制度配合三个方面进一步完善。 In the face of the massive damage caused by the huge disasters, the operating mechanism of the traditional insurance law can not effectively deal with it. The insurance laws and regulations of various countries are regulated through special legislation or by expanding the scope of existing compulsory insurance. Our country has started the legislative attempt on catastrophe insurance, but the regulations are still quite principle, and need to be further improved in three aspects: rate determination, reinsurance mechanism and system cooperation.