地震保険における地震災害の予測と対策(<特集>地震災害を考える-予測対策-)  [in Japanese] Estimation and Preventive Meatures of Earthquake Disasters at Earthquake Insurance  [in Japanese]

This paper introduces estimations and prevention measures for earthquake disasters as earthquake insurance.<BR>Property insurance covers losses that may occur in the future. Estimation of earthquake loss is expected to be a major factor used to determine insurance premium rates (prices). For earthquake insurance, simulations designed to estimate earthquake losses are conducted based upon earthquakes that have occurred in the past. This enables insurance premium rates to be calculated by estimating the loss that is likely to occur in the future. Many local governments estimate earthquake damage to plan disaster prevention measures the results are compared with the estimation of earthquake lossrelative to earthquake insurance.<BR>In recent years, earthquake insurance has increasingly been required to function not only as an <I>ex post facto</I> measure, but also as an advance measure to mitigate earthquake damage. In the premium rate adjustment conducted this year, an insurance premium discount program for highly earthquake-resistant residences was introduced. This program is expected to serve as an incentive to increase the number of residences that incorporate high earthquakeresistant capacity.