全球智库信息集成服务系统(G2TT): Can Parametric Microinsurance Improve the Financial Resilience of Low-Income Households in the United States?

G2TT

来源类型	Journal Article in Economics of Disasters and Climate Change
规范类型	论文
	Can Parametric Microinsurance Improve the Financial Resilience of Low-Income Households in the United States?
	Carolyn Kousky; Helen Wiley; Leonard Shabman
发表日期	2021-07-30
出处	Economics of Disasters and Climate Change
出版年	2021
语种	英语
摘要	Natural disaster risk is escalating around the globe and in the United States. A large body of research has found that lower-income households disproportionally suffer from disasters and are less likely to recover. Poorer households often lack the financial resources for rebuilding, endangering other aspects of wellbeing. Parametric microinsurance has been used in many developing countries to improve the financial resilience of low-income households. This paper presents a review of the evidence for implementing parametric microinsurance in the U.S., with spillover lessons for other highly developed countries. We discuss the benefits and the challenges of microinsurance in a US context and explore 4 possible distribution models that could help overcome difficulties, with policies being provided: (1) by an aggregator, (2) through a mobile-based technology, (3) by linking to other products or retailers, or (4) through a public sector insurer.
主题	Climate Risks and Impacts,Adaptation and Resilience,Insurance and Disaster Aid
URL	https://www.rff.org/publications/journal-articles/can-parametric-microinsurance-improve-the-financial-resilience-of-low-income-households-in-the-united-states/
来源智库	Resources for the Future (United States)
资源类型	智库出版物
条目标识符	http://119.78.100.153/handle/2XGU8XDN/588475
推荐引用方式 GB/T 7714	Carolyn Kousky,Helen Wiley,Leonard Shabman. Can Parametric Microinsurance Improve the Financial Resilience of Low-Income Households in the United States?. 2021.