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Insurance against Losses from Natural Disasters in Developing Countries

Tham khảo sách 'insurance against losses from natural disasters in developing countries', tài chính - ngân hàng, bảo hiểm phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả | Economic DESA Working Paper No. 85 ST ESA 2009 DWP 85 October 2009 Insurance against Losses from Natural Disasters in Developing Countries Joanne Linnerooth-Bayer and Reinhard Mechler Social Affairs Abstract This paper examines the recent experience with insurance and other risk-financing instruments in developing countries in order to gain insights into their effectiveness in reducing economic insecurity. Insurance and other risk financing strategies are viewed as efforts to recover from negative income shocks through risk pooling and transfer. Specific examples of public-private insurance programs for households business-firms and governments are described highlighting their limitations especially in light of the post-Katrina experience in the United States. It examines arguments both in support of and in opposition to donor and public involvement in provision of subsidized insurance in developing countries. JEL Classification G11 G14 G22 Q1 Q14 Keywords Insurance financing risk cost benefit developing country natural disaster climate change. Joanne Linnerooth-Bayer Leader of the Risk and Vulnerability Program VAP of the International Institute of Applied Systems Analysis IIASA Laxenberg Austria e-mail bayer@iiasa.ac.at. Reinhard Mechler Research Scholar in the Risk and Vulnerability Program VAP of the International Institute of Applied Systems Analysis IIASA Laxenberg Austria. E-mail mechler@iiasa.ac.at. Comments should be addressed by e-mail to the authors. Contents Introduction. 1 Disaster risk management. 3 Disaster risk reduction. 3 Disaster risk coping. 5 Prevention and coping. 8 Insurance for households and businesses. 10 Microinsurance schemes. 10 National insurance programs. 12 Insurance for farmers and herders. 14 Index-based crop insurance. 15 Index-based livestock insurance. 18 Insurance for governments. 19 Insuring governments. 19 Insuring donors that insure governments. 21 Pooling small states sovereign risks. 21 Effectiveness of current programs. .