The Cabinet has proposed a major disaster insurance scheme funded with 10 billion baht from emergency reserves to cover approximately 20 million households nationwide. The program will replace the current reactive relief system (averaging 30 billion baht annually) with proactive insurance coverage for floods, storms, and earthquakes, with standardized payouts (death benefit 2M baht, flood damage up to 100K baht, initial flood compensation 10K baht within 7 days). Implementation will leverage satellite technology to accelerate damage assessment and compensation.