巨灾保险制度，是指对由于突发性的、 无法预料、无法避免且危害特别严重的如地震、飓风、海啸、洪水、冰雪等所引发的大面积灾难性事故造成的财产损失和人身伤亡，给予切实保障的风险分散制度。
面临越来越严峻的巨灾形势，作为灾害防范和救助体系的重要组成部分，巨灾保险制度的建立已成当务之急。
The catastrophe is facing the more and more severe situation. As the disaster's prevent and rescued system, the catastrophe insurance system's setting up has become a top priority.
健全政策性农业保险制度，建立农业再保险和巨灾风险分散机制。
We will improve the policy-supported agricultural insurance system, and develop an agricultural reinsurance system and a mechanism for diffusing the risk of huge catastrophes.
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