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\u51a0\u72b6\u75c5\u6bd2\u5927\u6d41\u884c\u7ed9\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\u53ca\u5176\u5ba2\u6237\u5e26\u6765\u4e86\u8bb8\u591a\u95ee\u9898\u3002\n\u4f01\u4e1a\u548c\u4e2a\u4eba\u5411\u4ed6\u4eec\u7684\u4fdd\u9669\u516c\u53f8\u5bfb\u6c42\u5e2e\u52a9\uff0c\u63ed\u793a\u4e86\u610f\u60f3\u4e0d\u5230\u7684\u4fdd\u9669\u7f3a\u53e3\u3001\u4e0d\u660e\u786e\u7684\u8bed\u8a00\u548c\u5176\u4ed6\u95ee\u9898\u3002 <\/p>\n\n

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COVID-19 \u51f8\u663e\u4e86\u8986\u76d6\u5dee\u8ddd<\/h2>\n\n

\u968f\u7740 COVID-19 \u5bfc\u81f4\u7f8e\u56fd\u5404\u5730\u7684\u4f01\u4e1a\u5173\u95ed\uff0c\u8fd9\u4e9b\u4f01\u4e1a\u5411\u4ed6\u4eec\u7684\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\u5bfb\u6c42\u5e2e\u52a9\u3002\n\u5f53\u4ed6\u4eec\u8fd9\u6837\u505a\u65f6\uff0c\u4f01\u4e1a\u53ca\u5176\u4fdd\u9669\u516c\u53f8\u90fd\u53d1\u73b0\uff0c\u8bb8\u591a\u4fdd\u5355\u7684\u627f\u4fdd\u65b9\u5f0f\u660e\u786e\u5c06 COVID-19 \u6392\u9664\u5728\u627f\u4fdd\u8303\u56f4\u4e4b\u5916\uff0c\u8fd9\u662f\u4e00\u79cd\u4e1a\u52a1\u4e2d\u65ad\u5f62\u5f0f\u3002 <\/p>\n\n

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\u5373\u4f7f\u662f\u5141\u8bb8\u65e0\u5f62\u5f62\u5f0f\u7684\u635f\u5bb3\u7684\u653f\u7b56\uff0c\u4e5f\u53ef\u80fd\u5728\u75c5\u6bd2\u6d41\u884c\u75c5\u65b9\u9762\u7559\u4e0b\u7a7a\u767d\u3002\n\u4f8b\u5982\uff0c\u5728 2002-2003 \u5e74 SARS \u6d41\u884c\u4e4b\u540e\uff0c\u8bb8\u591a\u4fdd\u5355\u88ab\u91cd\u5199\uff0c\u4ee5\u660e\u786e\u6392\u9664\u75c5\u6bd2\u6216\u7ec6\u83cc\u6216\u4e24\u8005\u7684\u627f\u4fdd\u8303\u56f4\u3002 <\/p>\n\n

\u867d\u7136\u4e00\u4e9b\u8d22\u4ea7\u4fdd\u9669\u516c\u53f8\u4e3a\u75c5\u6bd2\u6216\u7ec6\u83cc\u611f\u67d3\u63d0\u4f9b\u80cc\u4e66\uff0c\u4f46\u6839\u636e Lawrence A. Wilkinson<\/a> \u548c S&P Global \u7684\u5176\u4ed6\u8d21\u732e\u8005\u7684\u8bf4\u6cd5\uff0c\u5f88\u5c11\u6709\u4f01\u4e1a\u5728\u5927\u6d41\u884c\u524d\u9009\u62e9\u6295\u8d44\u4e8e\u5b83\u4eec\u3002\n\u5f53 COVID-19 \u6765\u88ad\u65f6\uff0c\u8bb8\u591a\u4f01\u4e1a\u6ca1\u6709\u5e2e\u52a9\u4ed6\u4eec\u89e3\u51b3\u4e0e\u5927\u6d41\u884c\u76f8\u5173\u7684\u635f\u5931\u7684\u4fdd\u9669\u3002 <\/p>\n\n

\"\"<\/figure>\n\n

\u5173\u4e8e COVID-19 \u627f\u4fdd\u8303\u56f4\u7684\u672a\u89e3\u7b54\u95ee\u9898<\/h2>\n\n

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\u6cd5\u9662\u7684 COVID-19 \u4fdd\u9669\u6848\u4ef6<\/h3>\n\n

\u4ee5 COVID-19 \u4e3a\u6838\u5fc3\u7684\u4fdd\u9669\u8303\u56f4\u4e89\u8bae\u5df2\u63d0\u4ea4\u5230\u7f8e\u56fd\u5404\u5730\u7684\u5dde\u548c\u8054\u90a6\u6cd5\u9662\uff0c\u9884\u8ba1\u8fd8\u4f1a\u6709\u66f4\u591a\u6848\u4ef6\u63d0\u8d77\u3002\n\u8bb8\u591a\u6b64\u7c7b\u6848\u4ef6\u6d89\u53ca\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u8bed\u8a00\u3001\u75c5\u6bd2\u6216\u7ec6\u83cc\u7684\u6392\u9664\u6761\u6b3e\uff0c\u6216\u4e24\u8005\u517c\u800c\u6709\u4e4b\u3002 <\/p>\n\n

\u4fdd\u9669\u516c\u53f8\u5df2\u7ecf\u5728\u6cd5\u5ead\u4e0a\u80dc\u8bc9\u4e86\u5176\u4e2d\u4e00\u4e9b\u7d22\u8d54\u3002\n\u4f8b\u5982\uff0c2020 \u5e74 7 \u6708\uff0c\u5bc6\u6b47\u6839\u5dde\u521d\u5ba1\u6cd5\u9662 \u88c1\u5b9a<\/a> \u5bc6\u6b47\u6839\u5dde\u4e00\u5bb6\u9910\u5385\u7684\u8425\u4e1a\u4e2d\u65ad\u4fdd\u9669\u4e0d\u9002\u7528\uff0c\u56e0\u4e3a\u8be5\u7269\u4e1a\u5fc5\u987b\u53d7\u5230\u5207\u5b9e\u5f71\u54cd\u624d\u80fd\u89e6\u53d1\u4fdd\u9669\u3002 <\/p>\n\n

\u7136\u800c\uff0c\u5373\u4f7f COVID-19 \u9020\u6210\u4e86\u6709\u5f62\u635f\u5bb3\uff0c\u6cd5\u9662\u4e5f\u8ba4\u4e3a\uff0c\u9910\u5385\u7684\u4fdd\u9669\u5355\u4e0d\u4f1a\u6db5\u76d6\u9910\u5385\u7684\u7d22\u8d54\uff0c\u56e0\u4e3a\u8be5\u4fdd\u5355\u5305\u542b\u6392\u9664\u75c5\u6bd2\u611f\u67d3\u7684\u7279\u5b9a\u8bed\u8a00\u3002<\/p>\n\n

\u8be5\u6848\uff0cGavrilides Management Co. et al. v. Michigan Insurance Co.\uff0c\u5df2\u7ecf\u5728\u81f3\u5c11\u4e00\u4e2a\u6d89\u53ca\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u548c\u75c5\u6bd2\u6392\u9664\u7684 \u8054\u90a6\u6848\u4ef6<\/a> \u4e2d\u88ab\u5f15\u7528\u3002\n\u4f5b\u7f57\u91cc\u8fbe\u5dde\u548c\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\u7684\u6cd5\u9662\u4e5f\u5728\u7c7b\u4f3c\u6848\u4ef6\u4e2d\u505a\u51fa\u4e86\u7c7b\u4f3c\u7684\u88c1\u51b3\uff0c\u5546\u4e1a\u4fdd\u9669\u516c\u53f8\u7684 Gavin Souter<\/a> \u5199\u9053\u3002 <\/p>\n\n

\u7136\u800c\uff0c\u5e76\u975e\u6240\u6709\u6b64\u7c7b\u6848\u4ef6\u7684\u88c1\u51b3\u90fd\u6709\u5229\u4e8e\u4fdd\u9669\u516c\u53f8\u3002\u5728 Studio 417\uff0c Inc. et al. v.\u5bc6\u82cf\u91cc\u5dde\u897f\u533a\u8054\u90a6\u5730\u533a\u6cd5\u9662\u6cd5\u5b98 Cincinnati Ins. Comp. \u62d2\u7edd\u4e86\u4fdd\u9669\u516c\u53f8\u7684\u9a73\u56de\u52a8\u8bae\u3002\u6cd5\u9662\u8ba4\u4e3a\uff0cCOVID-19 \u5b9e\u9645\u5b58\u5728\u4e8e\u7f8e\u53d1\u6c99\u9f99 Studio 417 \u7684\u4e8b\u5b9e\uff0c\u5e76\u4e14\u5176\u5b9e\u9645\u5b58\u5728\u6270\u4e71\u4e86\u6c99\u9f99\u7684\u8425\u4e1a\uff0c\u4e3a\u6848\u4ef6\u7684\u8fdb\u884c\u63d0\u4f9b\u4e86\u8db3\u591f\u7684\u4f9d\u636e\u3002<\/p>\n\n

\u201c\u6cd5\u9662\u63a8\u65ad\uff0c\u4fdd\u9669\u89e6\u53d1\u56e0\u7d20\u662f\u6709\u5f62\u635f\u5931 \u6216<\/em> \u635f\u574f\uff0c\u5e76\u4e14\u5b83’\u5fc5\u987b\u8d4b\u4e88\u8fd9\u4e24\u4e2a\u672f\u8bed\u610f\u4e49’\u3002\u201d\u6cd5\u9662\u51b3\u5b9a\uff0c\u91c7\u7528\u8f9b\u8f9b\u90a3\u63d0\u7684\u8bba\u70b9\u4f1a\u5c06\u6709\u5f62\u635f\u5931\u4e0e\u6709\u5f62\u635f\u5bb3\u6df7\u4e3a\u4e00\u8c08\uff0c\u201c\u4e9a\u7279\u5170\u5927\u5f8b\u5e08\u4e8b\u52a1\u6240 Arnall Golden Gregory \u7684 David J. Marmins \u548c Rebecca Lunceford Kolb<\/a> \u5199\u9053\u3002<\/p>\n\n

\u5bbe\u5915\u6cd5\u5c3c\u4e9a\u5927\u5b66\uff08University of Pennsylvania\uff09\u6559\u6388 \u6c64\u59c6\u00b7\u8d1d\u514b\uff08Tom Baker<\/a>\uff09\u8b66\u544a\u8bf4\uff0c\u5373\u4f7f\u662fGavrilides\u672c\u8eab\u4e5f\u53ef\u80fd\u4e0d\u5177\u5907\u4fdd\u9669\u516c\u53f8\u6240\u5e0c\u671b\u7684\u5904\u7f6e\u80fd\u529b\u3002<\/p>\n\n

\u201c\u8fd9\u4efd\u6295\u8bc9\u5e76\u6ca1\u6709\u4ee5\u5efa\u7b51\u7269\u7684’\u7269\u7406\u635f\u5931\u6216\u635f\u574f’\u4e3a\u7531\u3002\u4ed6\u4eec\u53ea\u662f\u8fa9\u79f0\u5b83\u5df2\u7ecf\u5173\u95ed\u4e86\uff0c\u201c\u8d1d\u514b\u6307\u51fa\uff0c\u5e76\u79f0\u5176\u4e3a\u201d\u539f\u544a\u6709\u7f3a\u9677\u7684\u8bc9\u72b6\u201d\u3002\n\u5c3d\u7ba1\u5982\u6b64\uff0c\u7b80\u5355\u5173\u95ed\u672a\u89e6\u53d1\u635f\u5931\u6216\u635f\u5bb3\u4fdd\u9669\u7684\u88c1\u51b3\u4e0e\u672a\u53d1\u751f\u635f\u5931\u6216\u635f\u5bb3\u7684\u88c1\u51b3\u4e0d\u540c\uff0c\u6cd5\u5b98\u5728\u672a\u6765\u7684\u6848\u4ef6\u4e2d\u53ef\u80fd\u4f1a\u5229\u7528\u8fd9\u4e00\u4e8b\u5b9e\u6765\u533a\u5206\u4ed6\u4eec\u9762\u524d\u7684\u7d22\u8d54\u4e0e Gavrilides \u5f00\u521b\u7684\u5148\u4f8b\u3002 <\/p>\n\n

\u5bf9 COVID-19 \u8986\u76d6\u8303\u56f4\u7684\u7acb\u6cd5\u56de\u5e94<\/h3>\n\n

\u5728\u6700\u521d\u7206\u53d1\u540e\u7684\u51e0\u5468\u5185\uff0c\u51e0\u4e2a\u5dde\u7684\u7acb\u6cd5\u673a\u6784\u53d7\u7406\u4e86\u8981\u6c42\u8d22\u4ea7\u548c\u610f\u5916\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\u4e0e COVID-19 \u76f8\u5173\u7684\u5546\u4e1a\u4fdd\u9669\u7d22\u8d54\u7684\u6cd5\u6848\u3002\n\u5176\u4e2d\u4e00\u4e9b\u6cd5\u6848\u751a\u81f3\u8bd5\u56fe\u8981\u6c42\u4fdd\u9669\u516c\u53f8\u8ffd\u6eaf\u652f\u4ed8\u8fd9\u4e9b\u7d22\u8d54\u3002 <\/p>\n\n

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\"\"<\/figure>\n\n

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\u5411\u524d\u770b\uff0c\u5411\u5185\u770b<\/h3>\n\n

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