Senses
天灾人祸/ 天災人禍 natural and man-made disasters
(idiom) natural calamities such as floods or earthquakes combined with human suffering caused by war or accidents; also used generally to describe any kind of great misfortune
天灾人祸/ 天災人禍 curse
(figurative) a term of abuse directed at a person, meaning they are a source of trouble or a disaster themselves