CM of a non-life insurance company in Thailand

I think that it is urging the preparation for a rainy day by saying "the possibility of 1 / billionth", but I do not understand what it is.

Details are as follows.YouTube - Bangkok Insurance

It seems to be CM of a non-life insurance company named Bangkok Insurance in Thailand. That means "Even if you encounter such a disaster, it is unlikely that it will work like this in the beginning, can you get insurance properly ..."?