从国外对洪水灾害风险进行管理的经验来看，实施洪水保险制度是对灾民进行补偿的有效机制之一。

According to the flood risk management experience of foreign countries, it is one of the effective mechanism that carrying on the flood insurance system to compensate the disaster victims.

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保险政策，防止死亡，疾病，收入的危险，如盗窃，火灾，水灾或意外事故损失一般被称为保护政策。

Insurance policies that protect against death, ill health, loss of income or perils such as theft, fire, flood or accident are generally referred to as protection policies.

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保险政策，防止死亡，疾病，收入的危险，如盗窃，火灾，水灾或意外事故损失一般被称为保护政策。

Insurance policies that protect against death, ill health, loss of income or perils such as theft, fire, flood or accident are generally referred to as protection policies.

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