Unlocking the potential of PH insurance industry for enhanced disaster risk financing

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THE Philippines is frequently cited as one of the most disaster-prone countries in the world, facing an increasing frequency of catastrophic events due to climate change and its geographical location in the Pacific typhoon belt.

The recent chain of typhoons that have devastated communities underscores the urgent need for effective disaster risk financing strategies. Within this context, the insurance industry has a critical role to play in not only mitigating the financial impact of such disasters but also in facilitating recovery and building resilience among affected populations, thereby assisting the government, which is seen by most as the 'insurer of last resort.

The insurers should work alongside the government to develop programs that subsidize premiums for low-income households, particularly those in high-risk areas. Community-based insurance models can also empower local populations to pool resources and manage their risks collectively. By fostering a culture of risk awareness and insurance literacy through outreach programs, the industry can engage more citizens, encouraging them to invest in protective measures.

 

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