泰国全国灾害保险体系正式实施

泰国全国灾害保险体系于10月1日正式实施。1 该体系由泰国政府出资为居民购买团体灾害保险，覆盖洪灾、风灾和地震三类灾害，约3000万户住宅纳入保障范围。1 通过保险机制分散灾害风险，旨在使受灾民众能够更快获得赔偿。1

赔偿标准方面，遇难最高赔偿金额为200万泰铢。1 初步赔偿标准为洪灾1万泰铢、风灾和地震各5000泰铢，每次灾害最高追加赔偿不超过10万泰铢。1 因洪水围困导致连续7天以上无法正常生活的住户，可额外获得每次1万泰铢的补偿。1 首笔赔偿原则上应在15天内支付。1

该保障期为2026年10月1日至2027年10月1日。1

Thailand has formally implemented a nationwide disaster insurance system on October 1, covering approximately 30 million residential units against flooding, windstorms, and earthquakes.1 The government-funded program operates as a group disaster insurance mechanism designed to accelerate compensation disbursement to affected residents by distributing disaster risks through insurance rather than relying solely on direct government relief.1

The insurance coverage provides death benefits of up to 2 million Thai baht per household.1 Initial compensation rates include 10,000 Thai baht for flood damage and 5,000 Thai baht each for windstorm and earthquake damage, with an additional supplementary payment of up to 100,000 Thai baht per incident available upon reassessment.1 Residents trapped in floodwaters for seven consecutive days or longer, preventing normal daily activities, are eligible for 10,000 Thai baht in additional compensation per incident.1 The system commits to processing initial claims within 15 days.1 The coverage period runs from October 1, 2026, through October 1, 2027.1