天津港爆炸“保险渗透率”较高
<p>中国保险企业在天津港危险品仓库8月12日爆炸事故后或将面临大额索赔要求，承保损失金额可能超过10亿-15亿美元。较高的保险渗透率可能使天津港爆炸事故成为中国近几年索赔金额最高的灾难之一。</p><p>请看《中国日报》报道：</p><p><span word="The">The</span> <span word="insured">insured</span> <span word="losses">losses</span> <span word="from">from</span> <span word="a">a</span> <span word="series">series</span> <span word="of">of</span> <span word="explosions">explosions</span> <span word="at">at</span> <span word="a">a</span> <span word="chemical">chemical</span> <span word="warehouse">warehouse</span> <span word="in">in</span> <span word="Tianjin">Tianjin</span> <span word="on">on</span> <span word="Aug">Aug</span> 12 <span word="are">are</span> <span word="likely">likely</span> <span word="to">to</span> <span word="range">range</span> <span word="from">from</span> $1 <span word="billion">billion</span> <span word="to">to</span> $1.5 <span word="billion">billion</span>, <span word="Fitch">Fitch</span> <span word="Ratings">Ratings</span> <span word="said">said</span> <span word="in">in</span> <span word="a">a</span> <span word="report">report</span> <span word="on">on</span> <span word="Tuesday">Tuesday</span>.</p><p>国际评级机构惠誉18日发布的报告显示，天津化学品仓库8月12日爆炸导致的承保损失金额可能在10亿到15亿之间。</p><p><span word="The">The</span> <span word="high">high</span> <span word="insurance">insurance</span> <span word="penetration">penetration</span> <span word="rate">rate</span> <span word="in">in</span> <span word="this">this</span> <span word="area">area</span> <span word="could">could</span> <span word="make">make</span> <span word="the">the</span> <span word="blasts">blasts</span> <span word="one">one</span> <span word="of">of</span> <span word="the">the</span> <span word="most">most</span> <span word="costly">costly</span> <span word="catastrophe">catastrophe</span> <span word="claims">claims</span> <span word="for">for</span> <span word="the">the</span> <span word="Chinese">Chinese</span> <span word="insurance">insurance</span> <span word="sector">sector</span> <span word="in">in</span> <span word="the">the</span> <span word="past">past</span> <span word="few">few</span> <span word="years">years</span>, <span word="the">the</span> <span word="report">report</span> <span word="said">said</span>.</p><p>报告指出，较高的保险渗透率可能使天津港爆炸事故成为中国近几年索赔金额最高的灾难之一。</p><p>保险渗透率（<span word="insurance">insurance</span> <span word="penetration">penetration</span> <span word="rate">rate</span>）指某个特定年份内，保险公司承担的保费（<span word="premium">premium</span> <span word="underwritten">underwritten</span>）在当年国内生产总值（<span word="GDP">GDP</span>）中所占的比例，这其中支付的保费可能包括人寿保险（<span word="life">life</span> <span word="insurance">insurance</span>）、机动车保险（<span word="auto">auto</span> <span word="insurance">insurance</span>）以及健康保险（<span word="health">health</span> <span word="insurance">insurance</span>）等。</p><p>天津港爆炸事故中，有超过8000辆汽车被损毁，因此，机动车保险（<span word="auto">auto</span>/<span word="motor">motor</span> <span word="insurance">insurance</span>）理赔将是主要的一部分。天津港爆炸事故中伤亡的人员除了可以根据自己投保的保单获得赔偿以外，还会获得政府统一安排的意外险赔偿（<span word="government">government</span>-<span word="supported">supported</span> <span word="accident">accident</span> <span word="insurance">insurance</span> <span word="plan">plan</span>），事故中的伤者根据伤情可获得2万到3.5万元不等的赔偿，而死者家属则可以获得5万元的赔偿。</p>
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