| 来源类型 | Briefing Papers |
| 规范类型 | 简报 |
| DOI | 10.23661/bp19.2018 |
| Pro-poor climate risk insurance: the role of community-based organisations (CBOs) | |
| Matias, Denise Margaret; Raúl Fernández; Marie-Lena Hutfils; Maik Winges | |
| 发表日期 | 2018 |
| 出版年 | 2018 |
| 概述 | Insurance provides an opportunity to address ex-post climate risks. The relative flexibility and broader reach of mesoinsurance may tackle issues of accessibility and affordability of insurance for poor and vulnerable. Community-based organisations may be an appropriate vehicle for mesoinsurance. |
| 摘要 | In the face of increasingly frequent extreme weather events, the need to manage climate risk becomes more urgent, especially for the most vulnerable countries and communities. With the aim of reducing vulnerability, climate risk transfer in the form of climate risk insurance (CRI) has been gaining attention in climate policy discussions. When properly designed, CRI acts as a safety net against climate change impacts by providing financial support after an extreme weather event. Two main types of insurance enable payouts: indemnity (traditional) insurance or predefined parameters (index-based) insurance. Individuals, groups, or even governments may take out policies with either type of insurance and receive payouts directly (insurer to beneficiary payout) or indirectly (insurer to aggregator to beneficiary payout). Direct insurance is usually implemented at the micro-level with individual policyholders. Indirect insurance is usually implemented through group contracts at the meso-level through risk aggregators and at the macro-level through the state. While promising, risk transfer in the form of CRI also has its share of challenges. Within the United Nations Framework Convention on Climate Change, the lack of accessibility and afford¬ability of CRI for poor and vulnerable groups have been identified as barriers to uptake. In light of climate justice, asking the poor and climate-vulnerable groups - most of whom do not contribute substantially to anthropogenic climate change - to solely carry the financial burden of risk transfer is anything but just. Employing a human rights-based approach to CRI may ensure that the resilience of poor and climate-vulnerable groups is enhanced in a climate-just manner. Indigenous peoples are some of the poorest and most climate vulnerable groups. Often marginalised, they rarely have access to social protection. The strong communal relationship of indigenous peoples facilitates their participation in community-based organisations (CBOs). CBOs are a suitable vehicle for meso-insurance, in which risk is aggregated and an insurance policy belongs to a group. In this way, CBOs can facilitate service provision that would otherwise be beyond the reach of individuals. Conclusions of this briefing paper draw on a conceptual analysis of meso-insurance and the results of field research conducted in March 2018 with indigenous Palaw’ans in the Philippines. We find that CRI needs to be attuned to the differential vulnerabilities and capacities of its beneficiaries. This is particularly true for poor and vulnerable people, for whom issues of accessibility and affordability need to be managed, and human rights and pro-poor approaches need to be ensured. In this context, meso-insurance is a promising approach when it provides accessibility and affordability and promotes a pro-poor and human rights-based approach of risk transfer by:
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| URL | https://www.die-gdi.de/en/briefing-paper/article/pro-poor-climate-risk-insurance-the-role-of-community-based-organisations-cbos/ |
| 来源智库 | German Development Institute (Germany) |
| 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/502291 |
| 推荐引用方式 GB/T 7714 | Matias, Denise Margaret,Raúl Fernández,Marie-Lena Hutfils,et al. Pro-poor climate risk insurance: the role of community-based organisations (CBOs). 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 | ||
| csm_BP_19.2018_e897b（4KB） | 智库出版物 | 限制开放 | CC BY-NC-SA |  浏览 | ||
| BP_19.2018.pdf（1378KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
| 文件名： | csm_BP_19.2018_e897b0a103_0760e25a91.gif |
| 格式： | GIF |
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