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.
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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