我国正式出台地震巨灾保险制度出炉

 The Chinese Insurance Regulatory Commission and Finance Ministry¹ jointly² issued a catastrophe³ home insurance plan last Monday.

中国保监会与财政部上周一联合印发了居民住宅巨灾保险制度实施方案。

According to the plan, 45 insurance companies have joined the program which will issue special insurance products providing post-earthquake compensation, especially focusing on residential⁴ homes.

据悉，目前已有45家保险公司加入。该方案将推出地震后赔偿的特殊保险产品，专门针对的是居民住宅问题。

The statement says in the first phase, the basic insurance coverage⁵ will be 50 thousand yuan for urban dwellers⁶ and 20 thousand yuan for rural ones.

该方案称，运行初期，城乡居民住宅基本保额分别为每户5万元、2万元。

我国正式出台地震巨灾保险制度出炉

The catastrophe insurance system is designed to ease the burden on the government and public finances.

巨灾保险制度旨在减轻政府与公共财政的负担。

A special insurance reserve fund supported by MOF will be set up, and legislation for the plan will be sped up, according to the plan.

根据该方案，财政部将设立巨灾保险基金，巨灾保险制度方案的立法程序将加快。

In China, post-disaster reconstruction⁷ is mostly financed by the state, or through public and private donations, while in the West, insurance has proven effective in dealing⁸ with the aftermath of such calamities⁹.

在中国，灾后重建主要是由国家资助，或通过公共和私人捐款完成的，不过在西方，用于处理这样的灾难后果的保险制度已被证明是可行的。

1 ministry   

n.(政府的)部；牧师

参考例句：

• They sent a deputation to the ministry to complain.他们派了一个代表团到部里投诉。
• We probed the Air Ministry statements.我们调查了空军部的记录。

2 jointly   

ad.联合地，共同地

参考例句：

• Tenants are jointly and severally liable for payment of the rent. 租金由承租人共同且分别承担。
• She owns the house jointly with her husband. 她和丈夫共同拥有这所房子。

3 catastrophe   

n.大灾难，大祸

参考例句：

• I owe it to you that I survived the catastrophe.亏得你我才大难不死。
• This is a catastrophe beyond human control.这是一场人类无法控制的灾难。

4 residential   

adj.提供住宿的；居住的；住宅的

参考例句：

• The mayor inspected the residential section of the city.市长视察了该市的住宅区。
• The residential blocks were integrated with the rest of the college.住宿区与学院其他部分结合在了一起。

5 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

6 dwellers   

n.居民，居住者( dweller的名词复数 )

参考例句：

• City dwellers think country folk have provincial attitudes. 城里人以为乡下人思想迂腐。 来自《简明英汉词典》
• They have transformed themselves into permanent city dwellers. 他们已成为永久的城市居民。 来自《简明英汉词典》

7 reconstruction   

n.重建，再现，复原

参考例句：

• The country faces a huge task of national reconstruction following the war.战后，该国面临着重建家园的艰巨任务。
• In the period of reconstruction,technique decides everything.在重建时期，技术决定一切。

8 dealing   

n.经商方法，待人态度

参考例句：

• This store has an excellent reputation for fair dealing.该商店因买卖公道而享有极高的声誉。
• His fair dealing earned our confidence.他的诚实的行为获得我们的信任。

9 calamities   

n.灾祸，灾难( calamity的名词复数 )；不幸之事

参考例句：

• They will only triumph by persevering in their struggle against natural calamities. 他们只有坚持与自然灾害搏斗，才能取得胜利。 来自《现代汉英综合大词典》
• One moment's false security can bring a century of calamities. 图一时之苟安，贻百年之大患。 来自《现代汉英综合大词典》