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中国游客非洲避暑 不开玩笑!非洲比中国还凉快!

2017-08-11 10:51:47   海外网

中国游客非洲避暑,非洲人在中国都被热哭了。南北半球季节相反,目前非洲正好是一年中最凉爽的季节,肯尼亚、南非和毛里求斯都成了中国游客最爱的“避暑胜地”。三伏天,气温超40度已不是什么新鲜事。很多地区的国民都众叫苦不迭,安心保险的精算师对金融界保险表示,恶劣天气个人出行不便可以买份“天气保险”,天气险保费在5毛钱到45块钱之间,每项指标每天都是50元保额。

该专家对金融界保险表示,“天气保险”不属于奇葩险,消费者不用担心。保险产品要满足两大原则,一是要有可保利益,二是要符合大数法则。奇葩险则可能不符合以上原则。

天气险补偿的是消费者因恶劣天气出行不便的损失,譬如打车等费用,符合保险的“损失补充”原则。

其次看大数法则:天气险基于各地天气信息设计,没有免赔天数,可以买一天,也可以买14天,所承保的风险是确定的。天气险有精算基础,有一套模型实时算费,根据动态建模法,直接对原始气温数据进行动态建模并预测未来的气温变化,进而用于天气指数保险定价,保费数据时时变动的,产品费率厘定符合大数法则。

综上所述,可以说天气险是一个趣味险,有利于增强消费者的风险意识的培育。

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