Insurance for assisting adaptation to climate change in developing countries.pdf

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2017-04-13 发布于江苏
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Insurance for assisting adaptation to climate change in developing countries.pdf

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Insurance for assisting adaptation to climate change in developing countries

Insurance for assisting adaptation to climate change in developing countries: a proposed strategy 1 ? 2006 Earthscan Climate Policy 6 (2006) 000–000 Insurance for assisting adaptation to climate change in developing countries: a proposed strategy Joanne Linnerooth-Bayer*, Reinhard Mechler Risk and Vulnerability Programme, International Institute for Applied Systems Analysis, Laxenburg, Austria RESEARCH ARTICLE [Q1]* Corresponding author. Tel.: +43-2236-8070; fax: +43-2236-71313 E-mail address: bayer@iiasa.ac.at Abstract A strategy is proposed for supporting developing country adaptation to the risks of climate variability and for satisfying the intent of Article 4.8 of the United Nations Framework Convention on Climate Change (UNFCCC), which calls upon the Parties to consider insurance-related instruments. In a first tier of this strategy, a climate insurance programme would be developed for risks of sudden- and slow-onset weather-related disaster. This programme could take the form of an independent facility or partnership of donor organizations, or it could be ‘mainstreamed’ into the operations of a multi-purpose disaster risk management facility. Its main purpose would be to enable the establishment of public/private safety-nets for stochastic climate-related shocks by assisting the development of insurance-related instruments that are affordable to the poor, coupled with actions and incentives for proactive preventive (adaptation) measures. A second tier would provide disaster relief contingent on countries taking credible risk management efforts. The main advantage of this proposed climate insurance strategy is its demonstrated feasibility, since it would be based on important precedents of donor-supported insurance systems in developing countries. Other advantages include its potential for linking with related donor initiatives, providing incentives for loss reduction (adaptation) and targeting the most vulnerable. Keywords: Climate change; Insurance; Dis