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2010年8月24日,中国伊春发生的空难引发众多保险公司向客户赔偿。然而赔付金额却不尽相同,这就涉及到投资型和保障型保险产品的各自性质和特点。今后保险市场稳健发展应该着重经营哪类保险产品?从这次事件中也折射出我国巨灾保险体制的不完善性。多次巨灾的事后处理中,保险业没有发挥出充足的作用,赔付过程与行政部门交涉过程中出现“通融赔付”的现象,是否合理,本文也会做出一定程度的探究。
On August 24, 2010, the crash caused by Yichun in China caused many insurance companies to compensate customers. However, the amount of compensation is not the same, which involves the respective nature and characteristics of investment-oriented and insurance-based insurance products. In the future, what kind of insurance products should be focused on the steady development of the insurance market? This incident also reflects the imperfection of China’s catastrophe insurance system. In the aftermath of many catastrophes, the insurance industry did not play a sufficient role. Whether the “compensation for loss” phenomenon appears during the process of negotiation with the administrative department is also reasonable. This article will also make a certain degree of exploration.