| 来源类型 | Book Section |
| DOI | 10.1007/978-3-319-72026-5_21 |
| Insurance as a Response to Loss and Damage? | |
| Linnerooth-Bayer J; Surminski S; Bouwer L; Noy I; Mechler R; Mechler, R.; Bouwer, L.; Schinko, T.; Surminski, S.; Linnerooth-Bayer, J. | |
| 发表日期 | 2018 |
| 出处 | Loss and Damage from Climate Change. Eds. Mechler, R. , Bouwer, L. , Schinko, T. , Surminski, S. & Linnerooth-Bayer, J. , pp. 483-512 Cham, Switzerland: Springer. ISBN 978-3-319-72025-8 DOI: 10.1007/978-3-319-72026-5_21 . |
| 出版年 | 2018 |
| 语种 | 英语 |
| 摘要 | This chapter asks whether insurance instruments, especially micro-insurance and regional insurance pools, can serve as a risk-reducing and equitable compensatory response to climate-attributed losses and damages from climate extremes occurring in developing countries, and consequently if insurance instruments can serve the preventative and curative targets of the Warsaw International Mechanism for Loss and Damage (WIM). The discussion emphasises the substantial benefits of both micro-insurance programs and regional insurance pools, and at the same time details their significant costs. Beyond costs and benefits, a main message is that if no significant intervention is undertaken in their design and implementation, market-based insurance mechanisms will likely fall short of fully meeting WIM aspirations of loss reduction and equitable compensation. Interventions can include subsidies and other types of support that make insurance affordable to poor clients; interventions can also enable public-private arrangements that genuinely catalyse risk reduction and adaptation. Many such interventions are already in place, and the chapter highlights two potential success stories for insurance instruments serving the most vulnerable: the African R4 micro-insurance program and the African Risk Capacity (ARC) regional insurance pool. While support to these and other insurance programs continues to be framed as humanitarian aid based on the principle of solidarity, discussions on the G7 initiative to insure vulnerable households, as well as on ARC’s initiative to link international payments to climate risks, raise the question whether the narrative will evolve from solidarity to responsibility based on the principle of developed country accountability. |
| 主题 | Risk & ; Resilience (RISK) |
| 关键词 | Risk transfer Financial instruments Climate change Catastrophic loss Safety nets Disaster risk reduction Equity Liability Compensation |
| URL | http://pure.iiasa.ac.at/id/eprint/15615/ |
| 来源智库 | International Institute for Applied Systems Analysis (Austria) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/134655 |
| 推荐引用方式 GB/T 7714 | Linnerooth-Bayer J,Surminski S,Bouwer L,et al. Insurance as a Response to Loss and Damage?. 2018. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| Linnerooth-Bayer2019（536KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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