新西兰可能采用日本地震保险模式来提高灾后的速度、公平性和抗灾力。 New Zealand may adopt Japan’s earthquake insurance model to improve speed, fairness, and resilience after disasters.

据奥克兰大学专家罗汉·哈沃克(Rohan Havlock)说,在日本发生7.6次巨震地震之后,新西兰可以采纳日本模式的要素,从而加强地震保险系统。 New Zealand could strengthen its earthquake insurance system by adopting elements of Japan’s model, according to University of Auckland expert Rohan Havelock, following a 7.6-magnitude quake in Japan. 新西兰目前的双重制度 — — 将政府支持的保险与私人保险混为一谈 — — 在以往的灾难之后面临拖延、法律纠纷和承保人破产等问题。 New Zealand’s current dual system—mixing government-backed cover with private insurance—has faced delays, legal disputes, and insurer insolvencies after past disasters. 日本的做法采用基于风险的溢价、四级损失分类制度以加快支付速度,以及自由、非对抗性的调解程序来减少诉讼。 Japan’s approach uses risk-based premiums, a four-tier loss classification system for faster payouts, and a free, non-adversarial mediation process that reduces litigation. 这些特征可以提高新西兰系统的速度、公平性和复原力。 These features could improve speed, fairness, and resilience in New Zealand’s system.