{"id":606904,"date":"2025-07-28T11:21:17","date_gmt":"2025-07-28T03:21:17","guid":{"rendered":"https:\/\/beta3.law.asia\/?p=606904"},"modified":"2025-08-15T13:32:51","modified_gmt":"2025-08-15T05:32:51","slug":"india-natural-disaster-insurance","status":"publish","type":"post","link":"https:\/\/beta3.law.asia\/zh-hans\/india-natural-disaster-insurance\/","title":{"rendered":"\u707e\u5bb3\u9891\u53d1\uff0c\u5065\u5168\u4fdd\u9669\u4fdd\u969c\u523b\u4e0d\u5bb9\u7f13"},"content":{"rendered":"<p style=\"text-align: justify;\"><span class=\"vantage-grey\"><em><strong>\u9762\u5bf9\u9891\u9891\u53d1\u751f\u7684\u5404\u7c7b\u81ea\u7136\u707e\u5bb3\uff0c\u5370\u5ea6\u6025\u9700\u5efa\u7acb\u4e00\u4e2a\u5168\u9762\u7684\u5236\u5ea6\u589e\u5f3a\u6c11\u4f17\u7684\u7ecf\u6d4e\u62b5\u5fa1\u80fd\u529b\u3002<\/strong><\/em><\/span><\/p>\n<p style=\"text-align: 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class=\"vantage-red\"><strong>\u4fdd\u9669\u6e17\u900f\u7387\u4f4e<\/strong><\/span><\/h2>\n<figure id=\"attachment_601732\" aria-describedby=\"caption-attachment-601732\" style=\"width: 200px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-601732\" src=\"https:\/\/beta3.law.asia\/wp-content\/uploads\/2025\/07\/Shailaja-Lall-Shardul-Amarchand-Mangaldas-Co.jpg\" alt=\"Shailaja Lall, Shardul Amarchand Mangaldas &amp; Co\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-601732\" class=\"wp-caption-text\"><strong>Shailaja Lall<\/strong><br \/>\u5408\u4f19\u4eba<br \/>Shardul Amarchand Mangaldas &amp; Co<br \/>\u65b0\u5fb7\u91cc\u529e\u516c\u5ba4<br \/>\u7535\u8bdd: +91 98 7100 4854<br \/>\u90ae\u7bb1: shailaja.lall@amsshardul.com<\/figcaption><\/figure>\n<p style=\"text-align: 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class=\"vantage-red\"><strong>\u4fdd\u62a4\u7684\u7f3a\u5931<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\">\u5370\u5ea6\u7684\u4fdd\u9669\u6cd5\u5f8b\u6846\u67b6\u6709\u5176\u503c\u5f97\u79f0\u9053\u7684\u5730\u65b9\uff0c\u4f46\u660e\u663e\u65e0\u6cd5\u7ed9\u4e88\u9488\u5bf9\u81ea\u7136\u707e\u5bb3\u7684\u5168\u9762\u4fdd\u62a4\u3002\u300a\u707e\u5bb3\u7ba1\u7406\u6cd5\u300b\uff082005\u5e74\uff09\u662f\u5370\u5ea6\u5173\u4e8e\u707e\u5bb3\u7ba1\u7406\u7684\u4e3b\u8981\u6cd5\u5f8b\u3002\u8be5\u6cd5\u786e\u7acb\u4e86\u6551\u707e\u7684\u6574\u4f53\u6846\u67b6\uff0c\u4f46\u5173\u4e8e\u8d54\u507f\u7684\u89c4\u5b9a\u6709\u9650\u3002<\/p>\n<p style=\"text-align: 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justify;\">\u5370\u5ea6\u6cd5\u9662\u7ecf\u5e38\u5904\u7406\u4e0e\u4fdd\u9669\u5408\u540c\u89e3\u91ca\u76f8\u5173\u7684\u4e89\u8bae\uff0c\u5305\u62ec\u4fdd\u9669\u4eba\u548c\u6295\u4fdd\u4eba\u4e4b\u95f4\u4e0e\u81ea\u7136\u707e\u5bb3\u6709\u5173\u7684\u4e89\u8bae\u3002\u4f46\u6cd5\u9662\u9c9c\u5c11\u4f5c\u51fa\u5efa\u8bae\u4e3a\u707e\u5bb3\u53d7\u5bb3\u8005\u6295\u4fdd\u7684\u53f8\u6cd5\u58f0\u660e\u3002\u5bf9\u4e8e\u8fd9\u7c7b\u6848\u4ef6\uff0c\u5370\u5ea6\u6cd5\u9662\u975e\u5e38\u8c28\u614e\uff0c\u4e0d\u613f\u5c31\u8d54\u507f\u5b9a\u4e0b\u5ba2\u89c2\u6807\u51c6\uff0c\u6216\u6269\u5927\u89e3\u91ca\u6cd5\u5b9a\u4fdd\u62a4\u8303\u56f4\u4ee5\u7eb3\u5165\u4fdd\u9669\u4fdd\u969c\u3002<\/p>\n<p style=\"text-align: justify;\">\u6700\u9ad8\u6cd5\u9662\u5728<em>Reepak Kansal and Ors vs Union of India\uff082021\uff09<\/em>\u4e2d\u7684\u88c1\u51b3\u5c31\u662f\u4e00\u4e2a\u5178\u578b\u7684\u6848\u4f8b\u3002\u5728\u8be5\u6848\u4e2d\uff0c\u7533\u8bf7\u4eba\u8bf7\u6c42\u6cd5\u9662\u4e0b\u8fbe\u6307\u4ee4\uff0c\u8981\u6c42\u5411\u65b0\u51a0\u80ba\u708e\u53d7\u5bb3\u8005\u652f\u4ed8\u629a\u6064\u91d1\uff0c\u5e76\u5b9e\u65bd\u4e00\u9879\u9488\u5bf9\u6b64\u7c7b\u707e\u5bb3\u7684\u56fd\u5bb6\u4fdd\u9669\u8ba1\u5212\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u6b64\u524d\uff0c\u65b0\u51a0\u80ba\u708e\u5df2\u88ab\u5ba3\u5e03\u4e3a\u201c\u5df2\u901a\u62a5\u707e\u5bb3\u201d\uff0c\u9002\u7528\u300a\u707e\u5bb3\u7ba1\u7406\u6cd5\u300b\uff082005\u5e74\uff09\u3002\u4f46\u6cd5\u9662\u4ee5\u6b64\u7c7b\u4e8b\u9879\u5c5e\u4e8e\u884c\u653f\u673a\u5173\u653f\u7b56\u8303\u7574\u4e3a\u7531\u9a73\u56de\u7533\u8bf7\u3002<\/p>\n<p style=\"text-align: justify;\">\u5224\u51b3\u6307\u51fa\uff0c\u7b2c15\u5c4a\u8d22\u653f\u59d4\u5458\u4f1a\u5df2\u5efa\u8bae\u8bbe\u7acb\u56fd\u5bb6\u4fdd\u9669\u8ba1\u5212\uff0c\u5e76\u8868\u8fbe\u4e86\u5e0c\u671b\u653f\u5e9c\u91c7\u7eb3\u8fd9\u4e9b\u5efa\u8bae\u7684\u613f\u671b\u3002\u7136\u800c\uff0c\u8fc4\u4eca\u4e3a\u6b62\uff0c\u653f\u5e9c\u5e76\u672a\u91c7\u53d6\u4efb\u4f55\u5177\u4f53\u63aa\u65bd\u5c06\u8fd9\u4e9b\u5efa\u8bae\u4ed8\u8bf8\u5b9e\u8df5\u3002\u6b64\u5916\uff0c\u5c3d\u7ba1\u6cd5\u9662\u8ba4\u4e3a\u653f\u5e9c\u673a\u6784\u6709\u8d23\u4efb\u5c31\u629a\u6064\u91d1\u652f\u4ed8\u53d1\u5e03\u6307\u5bfc\u6587\u4ef6\uff0c\u4f46\u62d2\u7edd\u5c31\u8d54\u507f\u91d1\u989d\u5236\u5b9a\u4efb\u4f55\u5ba2\u89c2\u6807\u51c6\u3002<\/p>\n<p style=\"text-align: justify;\">\u540c\u6837\uff0c\u5728<em>Ficus Pax Private Limited v Union of India\uff082020\uff09<\/em>\u4e00\u6848\u4e2d\uff0c\u6cd5\u9662\u518d\u6b21\u62d2\u7edd\u53d1\u5e03\u5177\u6709\u7ea6\u675f\u529b\u7684\u6307\u5f15\uff0c\u800c\u662f\u6566\u4fc3\u96c7\u4e3b\u548c\u96c7\u5458\u5c31\u75ab\u60c5\u671f\u95f4\u7684\u8d54\u4ed8\u95ee\u9898\u8fbe\u6210\u4e00\u81f4\uff0c\u4f9d\u7136\u6ca1\u6709\u7ed9\u51fa\u7cfb\u7edf\u6027\u7684\u89e3\u51b3\u65b9\u6848\u3002<\/p>\n<p style=\"text-align: justify;\">\u4e0d\u8fc7\u4e5f\u6709\u4f8b\u5916\u3002\u5728<em>S Senthilkumar and another v the Director of Fisheries Department\uff082022\uff09<\/em>\u4e00\u6848\u4e2d\uff0c\u56e0\u53d1\u751f\u65cb\u98ce\uff0c\u4e00\u5bf9\u6e14\u6c11\u7533\u8bf7\u4e00\u9879\u4e2d\u592e\u653f\u5e9c\u8ba1\u5212\u4e0b\u7684\u7ecf\u6d4e\u63f4\u52a9\uff0c\u4f46\u88ab\u62d2\u3002\u9a6c\u5fb7\u62c9\u65af\u9ad8\u7b49\u6cd5\u9662\u5c31\u5982\u4f55\u8bc4\u4f30\u6b64\u7c7b\u7ecf\u6d4e\u63f4\u52a9\u7533\u8bf7\u7ed9\u51fa\u4e86\u6307\u5f15\uff0c\u58f0\u660e\u653f\u5e9c\u90e8\u95e8\u4e0d\u5f97\u6b66\u65ad\u62d2\u7edd\u7533\u8bf7\u4eba\u8bf7\u6c42\u7684\u6cd5\u5b9a\u8d54\u507f\u6216\u67d0\u9879\u653f\u5e9c\u6551\u6d4e\u8ba1\u5212\u3002\u8fd9\u4e2a\u5224\u51b3\u610f\u4e49\u91cd\u5927\uff0c\u4f46\u8fd9\u7c7b\u5224\u51b3\u51e4\u6bdb\u9e9f\u89d2\u3002<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"vantage-red\"><strong>\u653f\u5e9c\u8ba1\u5212<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\">\u867d\u7136\u5370\u5ea6\u6ca1\u6709\u9488\u5bf9\u81ea\u7136\u707e\u5bb3\u7684\u5168\u56fd\u6027\u4fdd\u9669\u6846\u67b6\uff0c\u4f46\u653f\u5e9c\u4e0d\u65f6\u4f1a\u63a8\u51fa\u4fdd\u9669\u8ba1\u5212\uff0c\u8fd9\u4e9b\u8ba1\u5212\u975e\u5e38\u6210\u529f\uff0c\u4f8b\u5982\uff1a<\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"text-align: justify;\">2020\u5e743\u6708\u63a8\u51fa\u7684\u603b\u7406\u5f31\u58eb\u7fa4\u4f53\u798f\u5229\u8ba1\u5212\uff08Pradhan Mantri Garib Kalyan Package\uff09\uff0c\u8fd9\u662f\u5e94\u5bf9\u65b0\u51a0\u75ab\u60c5\u7684\u4e3e\u63aa\uff0c\u4e3a\u533b\u62a4\u4eba\u5458\u63d0\u4f9b\u4e86\u5168\u9762\u7684\u4eba\u8eab\u610f\u5916\u4fdd\u9669\uff1b<\/li>\n<li style=\"text-align: justify;\">\u603b\u7406\u519c\u4f5c\u7269\u4fdd\u9669\u8ba1\u5212\uff08Pradhan Mantri Fasal Bima Yojana\uff0cPMFBY\uff09\uff0c\u4ee5\u53c2\u4fdd\u4eba\u6570\u8861\u91cf\uff0c\u8fd9\u662f\u5168\u7403\u6700\u5927\u7684\u4ee5\u6280\u672f\u9a71\u52a8\u7684\u519c\u4f5c\u7269\u4fdd\u9669\u8ba1\u5212\uff0c\u4e8e2016\u5e74\u542f\u52a8\uff0c\u65e8\u5728\u4fdd\u62a4\u519c\u6c11\u514d\u53d7\u519c\u4f5c\u7269\u635f\u5931\uff0c\u5305\u62ec\u56e0\u81ea\u7136\u707e\u5bb3\u9020\u6210\u7684\u635f\u5931\uff1b<\/li>\n<li style=\"text-align: justify;\">\u5e73\u4ef7\u4fdd\u9669\u8ba1\u5212\uff0c\u5982\u9488\u5bf9\u5305\u62ec\u81ea\u7136\u707e\u5bb3\u5728\u5185\u7684\u610f\u5916\u4e8b\u6545\u7684\u603b\u7406\u610f\u5916\u4fdd\u9669\u8ba1\u5212\uff08Pradhan Mantri Suraksha Bima Yojna\uff09\u548c\u610f\u5916\u4e8b\u6545\u4eba\u5bff\u4fdd\u9669\u8ba1\u5212\u2014\u2014\u603b\u7406\u4eba\u5bff\u4fdd\u9669\u8ba1\u5212\uff08Pradhan Mantri Jeevan Bima Yojana\uff09\u3002<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">\u56fd\u5bb6\u707e\u5bb3\u7ba1\u7406\u5c40\u8ba1\u5212\u6574\u5408\u6240\u6709\u6b64\u7c7b\u56fd\u5bb6\u4fdd\u9669\u8ba1\u5212\u548c\u5176\u4ed6\u4e0e\u707e\u5bb3\u76f8\u5173\u7684\u4e34\u65f6\u6551\u52a9\u8ba1\u5212\uff0c\u5efa\u7acb\u4e00\u4e2a\u7edf\u4e00\u7684\u6709\u524d\u77bb\u6027\u7684\u4fdd\u9669\u673a\u5236\uff0c\u9488\u5bf9\u6240\u6709\u81ea\u7136\u707e\u5bb3\u63d0\u4f9b\u4fdd\u9669\u4fdd\u969c\u3002\u76ee\u524d\uff0c\u76f8\u5173\u5de5\u4f5c\u6b63\u5728\u79ef\u6781\u63a8\u8fdb\u4e2d\u3002\u7136\u800c\uff0c\u76ee\u524d\u5c1a\u65e0\u7acb\u6cd5\u6216\u884c\u653f\u6307\u4ee4\u5f3a\u5236\u8981\u6c42\u4e3a\u6d2a\u6c34\u3001\u5730\u9707\u6216\u5176\u4ed6\u707e\u5bb3\u7684\u53d7\u5bb3\u8005\u6295\u4fdd\uff0c\u5bfc\u81f4\u5927\u91cf\u4eba\u7fa4\u4ecd\u672a\u53d7\u5230\u4fdd\u62a4\u3002<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"vantage-red\"><strong>\u53c2\u6570\u4fdd\u9669\u7684\u5174\u8d77<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\">\u9274\u4e8e\u4f20\u7edf\u7684\u635f\u5931\u8865\u507f\u578b\u4fdd\u9669\u7684\u5c40\u9650\u6027\uff0c\u5370\u5ea6\u8fd1\u5e74\u6765\u5f00\u59cb\u63a2\u7d22\u53c2\u6570\u4fdd\u9669\uff0c\u5e0c\u671b\u8fd0\u7528\u53c2\u6570\u4fdd\u9669\u7ba1\u7406\u707e\u5bb3\u98ce\u9669\u3002\u53c2\u6570\u4fdd\u9669\u4e0e\u4f20\u7edf\u4fdd\u9669\u4e0d\u540c\u7684\u4e0d\u540c\u70b9\u5728\u4e8e\uff0c\u5b83\u7684\u7406\u8d54\u57fa\u4e8e\u9884\u5148\u8bbe\u5b9a\u7684\u89e6\u53d1\u6761\u4ef6\uff0c\u5982\u7279\u5b9a\u7684\u964d\u96e8\u91cf\u3001\u98ce\u901f\u6216\u5730\u9707\u6d3b\u52a8\u6c34\u5e73\uff0c\u800c\u975e\u8bc4\u4f30\u7684\u5b9e\u9645\u635f\u5931\u3002\u8fd9\u79cd\u65b9\u5f0f\u5177\u6709\u591a\u9879\u4f18\u52bf\uff0c\u5982\u7406\u8d54\u901f\u5ea6\u66f4\u5feb\u3001\u884c\u653f\u8d1f\u62c5\u66f4\u8f7b\u3001\u900f\u660e\u5ea6\u66f4\u9ad8\u3002<\/p>\n<h2 style=\"text-align: justify;\"><strong><span class=\"vantage-red\">\u7ed3\u8bba<\/span><\/strong><\/h2>\n<p style=\"text-align: justify;\">\u5370\u5ea6\u81ea\u7136\u707e\u5bb3\u9891\u53d1\uff0c\u8fd9\u662f\u4e0d\u53ef\u907f\u514d\u7684\u98ce\u9669\uff0c\u4f46\u5728\u5de8\u5927\u7684\u7ecf\u6d4e\u548c\u4eba\u5458\u635f\u5931\u9762\u524d\uff0c\u5374\u6ca1\u6709\u5168\u9762\u6709\u6548\u7684\u4fdd\u9669\u4fdd\u62a4\u5236\u5ea6\uff0c\u4fdd\u9669\u666e\u53ca\u7387\u4f4e\uff0c\u6cd5\u5f8b\u4fdd\u62a4\u6709\u9650\uff0c\u7f3a\u4e4f\u5168\u9762\u3001\u5ba2\u89c2\u7684\u8d54\u507f\u673a\u5236\u3002\u53f8\u6cd5\u5e72\u9884\u4e00\u76f4\u8f83\u4e3a\u8c28\u614e\uff0c\u653f\u5e9c\u8ba1\u5212\u591a\u4e3a\u5e94\u6025\u548c\u4e8b\u4ef6\u9a71\u52a8\u3002\u5370\u5ea6\u5e94\u501f\u9274\u5168\u7403\u6700\u4f73\u5b9e\u8df5\uff0c\u901a\u8fc7\u6cd5\u5f8b\u548c\u76d1\u7ba1\u624b\u6bb5\u5efa\u7acb\u4e00\u4e2a\u5168\u9762\u7684\u3001\u5177\u6709\u524d\u77bb\u6027\u7684\u4fdd\u969c\u673a\u5236\uff0c\u786e\u4fdd\u6240\u6709\u5370\u5ea6\u4eba\uff0c\u65e0\u8bba\u8eab\u5904\u4f55\u5730\uff0c\u90fd\u80fd\u83b7\u5f97\u6709\u529b\u7684\u7ecf\u6d4e\u4fdd\u969c\uff0c\u62b5\u5fa1\u81ea\u7136\u707e\u5bb3\u5e26\u6765\u7684\u635f\u5931\u3002<\/p>\n<section class=\"format-info\">\n<p style=\"text-align: justify;\"><strong><img class=\" wp-image-599425 aligncenter\" src=\"https:\/\/beta3.law.asia\/wp-content\/uploads\/2025\/07\/SAM-new-logo.jpg\" alt=\"SAM\" width=\"310\" height=\"126\" \/>SHARDUL AMARCHAND MANGALDAS &amp; CO<\/strong><br \/>\nAmarchand Towers<br \/>\n216 Okhla Industrial Estate<br \/>\nPhase III, New Delhi 110 020<br \/>\n\u7535\u8bdd: +91 11 4159 0700<br \/>\n\u90ae\u7bb1: <a href=\"mailto:connect@amsshardul.com\">connect@amsshardul.com<\/a><\/p>\n<\/section>\n<hr \/>\n<section style=\"background-color: #f5f5f5; padding: 26px;\">\n<h2 style=\"color: #ff0000; font-size: 23px; font-weight: bold; margin: 0px; text-align: left;\"><span style=\"color: #003366;\">Read the related article here:<\/span><\/h2>\n<hr style=\"border-top: 2px solid #fffff; width: 100%; margin: 18px auto;\" \/>\n<div style=\"display: flex; justify-content: space-between; align-items: center; margin-bottom: 5px;\">\n<div style=\"width: 60%;\">\n<h3 style=\"margin-top: 0; font-size: 18px; padding-bottom: 1px; margin-left: 15px; line-height: -1px;\"><strong><a style=\"color: #2b2b2b; text-decoration: none;\" href=\"https:\/\/beta3.law.asia\/asia-insurance-reinsurance-legal-trends-2025\/\">Riding the undercurrents<\/a><\/strong><\/h3>\n<p style=\"font-size: 13px; color: #787878; margin-left: 15px;\">From property and casualty to marine cargo recovery, insurance lawyers in Asia seem to be busy as usual \u2013 but there is more to this than meets the eye<\/p>\n<\/div>\n<div style=\"width: 35%; text-align: right; margin-top: 10px; margin-bottom: 5px;\"><a class=\"image-redirect\" href=\"https:\/\/beta3.law.asia\/asia-insurance-reinsurance-legal-trends-2025\/\" target=\"_blank\" rel=\"https:\/\/beta3.law.asia\/asia-insurance-reinsurance-legal-trends-2025\/\"><img class=\"alignnone\" style=\"max-width: 100%; height: auto; border-radius: 3px; box-shadow: 0px 1px 3px rgba(0,0,0,0.5);\" src=\"https:\/\/beta3.law.asia\/wp-content\/uploads\/2025\/07\/Riding-the-under-current.jpg\" alt=\"\" width=\"900\" height=\"600\" \/><\/a><\/div>\n<\/div>\n<hr style=\"border-top: 1px solid #d9d9d9; margin: 20px 0;\" \/>\n<p style=\"text-align: center; font-size: 20px; color: #787878;\">For more stories about insurance, visit <span class=\"vantage-red\"><a style=\"color: #2b2b2b; text-decoration: none;\" href=\"https:\/\/beta3.law.asia\/\">beta3.law.asia<\/a><\/span>.<\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>\u9762\u5bf9\u9891\u9891\u53d1\u751f\u7684\u5404\u7c7b\u81ea\u7136\u707e\u5bb3\uff0c\u5370\u5ea6\u6025\u9700\u5efa\u7acb\u4e00\u4e2a\u5168\u9762\u7684\u5236\u5ea6\u589e\u5f3a\u6c11\u4f17\u7684\u7ecf\u6d4e\u62b5\u5fa1\u80fd\u529b\u3002 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