The government plans to launch a national disaster insurance scheme in October covering 30 million households against floods, windstorms and earthquakes, with the state paying about 15.5 billion baht a year in premiums. Initial payments are due within 15 days, with further compensation based on actual damage, capped at 100,000 baht per household per incident. Death benefits are 2 million baht. The scheme is not yet fully detailed and will be coordinated with the Office of Insurance Commission to avoid overlap with existing relief. For a business owner, check whether your premises or stock losses are covered by existing policies, since this scheme targets households, not businesses, based on the article's description.