"中秋賞月險"真能讓人賞月無遺憾

Chinese residents don't have to worry about rain spoiling their annual Mid-Autumn Festival celebrations this year.

中國百姓無需擔心降雨會破壞今年的中秋節慶祝計劃。

The Mid-Autumn Festival, also known as the moon festival, is held every year in the fall and traditionally involves family gatherings that feature mooncakes and time spent outdoors admiring the full moon.

每年到了秋季，也就迎來了中秋節。這個節日的傳統風俗是家人團聚，吃月餅，到戶外賞月。

Part of the moon-watching tradition during the holiday traces back to a traditional folk belief that a female deity who lives on the moon named Chang'e can be spotted during the festival. But just in case bad weather strikes, the Chinese e-commerce platform Taobao is partnering with Allianz China General Insurance to offer novelty Mid-Autumn Festival insurance to cover people whose view of the full moon might be blocked by storms.

中秋賞月的習俗一定程度上源於民間傳說：這一天可看到一位居住在月亮上的嫦娥仙子。但爲以防萬一，中國電子商務平臺淘寶(Taobao)與安聯財產保險（中國）有限公司(Allianz China General Insurance)聯手，推出了極具創新意義的中秋節保險，投保人若因暴風雨等原因看不到月亮，可獲賠償。

The plans are available in more than 40 cities across China, including Shanghai, Beijing, Guangzhou and Shenzhen, and offer consumers protection against nighttime clouds on the holiday, which falls on Sept. 19.

這一保險計劃在上海、北京、廣州和深圳等40多個城市推出，今年9月19日中秋這天若因天氣原因而無法賞月，投保人可獲賠償。

The cost and availability of the plan varies from city to city. The cheapest plans are available in Shanghai, Guangzhou and Shenzhen, where insurance can be purchased online for 20 yuan (about US$3) with payouts of up to 50 yuan. In other cities including Beijing, premiums are a higher 99 yuan (US$16), with a 188 yuan (US$31) possible payout. (For a higher 188 yuan premium, customers also get a box of mooncakes in the deal.) Allianz says it used 20 years of meteorological data to establish its risk model.

這一保險計劃的價格和承保範圍在各個城市有所不同。最便宜的是上海、廣州和深圳，在這些城市，網上只需花人民幣20元（約合3美元）即可購買賠付額最高可達50元的保險。在包括北京在內的其他城市，保費則更高，爲人民幣99元（合16美元），最高賠付額爲188元（合31美元）。（對於保費爲188元的保險計劃，客戶還可以獲得一盒月餅）。安聯說，它利用20年的氣象數據建立了自己的風險模型。

Allianz representative Janice Jiang said the novelty insurance plan was launched as part of the company's effort to expand its digital presence, and that Chinese insurance companies may in the future do more to focus on niche markets by collaborating with e-commerce platforms.

安聯的代表Janice Jiang說，推出這一創新性的保險計劃是該公司努力擴大其網絡業務的行動之一，中國的保險公司未來可能通過與電子商務平臺進行合作而更多地專注於小衆市場。

In a statement, Taobao Insurance's General Manager Jiang Xing said the plan is a form of 'quality of life' protection, eliminating the possibility of regret during the festival. It's also a way to boost attention for Taobao's insurance portal, which was launched in 2010.

淘寶保險的總經理姜興（音）在一份聲明中說，這一計劃是對“生活質量”的一種保護，消除中秋節期間留下遺憾的可能。這也是一種吸引人們關注淘寶保險門戶網站的途徑。該門戶網站於2010年推出。

But the insurance plan still might leave people disappointed. The company will only reimburse insurance-holders if their view of the moon is blocked by rain, as defined by official meteorological reports recorded at 6 p.m. The insurance plan will not protect against clouds, fog or haze--all frequent occurrences in China's big cities, thanks to high levels of air pollution.

但這一保險計劃仍可能令人們失望。只有因爲下雨而無法賞月時，該公司纔會向投保人進行賠付，是否降雨則是由當天晚上6點發布的官方氣象報告界定的。這一保險計劃承保範圍不包括多雲、有霧或霧霾的情況，而由於空氣污染嚴重，中國的大城市常常出現這些天氣現象。

Air pollution can be a sensitive subject in China, and its scope has for years been downplayed by officials and state news agencies. Regular levels of intense smog in recent years have postponed flights, caused widespread respiratory problems and been found to cut years off the lives of the country's citizens.

空氣污染在中國可能是一個敏感話題，多年來，中國空氣污染的影響範圍一直被官員們和國有通訊社所淡化。近年來，時常發生的嚴重霧霾令航班延遲，導致普遍的呼吸系統疾病，甚至有報告說，空氣污染導致中國居民的壽命縮短數年。