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Belt and Road Initiative – 4Q 2018 update
Read more about the latest developments of the “Belt & Road” (BRI) Initiative and its potential impact on the re/insurance industry. -
The health protection gap in Asia: a modelled exposure of USD 1.8 trillion
Every year, around 100 million people around the world, mostly in low-income countries, fall into poverty on account of having to pay for healthcare treatment. Stakeholders have attempted to better protect individuals and households from the financial fallout of large and often unexpected spending for medical care and services. To date, however, efforts to this end have been stymied by a lack of reliable estimates on the size and characteristics of the “health protection gap“. Researchers have tried to estimate the gap using different methodologies but most fall short of offering a comprehensive and consistent view. -
Asia's health protection gap - Executive Summary
The health protection gap in 12 Asian markets was estimated at USD 1.8 trillion in 2017. This represents the potential stress that households in Asia were exposed to as a result of unpredictable direct medical expenses. In emerging Asia, the gap stood at USD 1.4 trillion, roughly 8.1% of GDP and 10.7% of net household income. In mature Asia, the health protection gap was estimated to be USD 433 billion, approximately 5.9% of GDP and 7.7% of net household income. -
Life underinsurance in the US: bridging the USD 25 trillion mortality protection gap
We estimate that the aggregate mortality gap in the US, a measure of life underinsurance, was close to USD 25 trillion in 2016. On a per-household basis, the gap averaged USD 495 000 or, in other words, 45% of households’ income replacement needs. The protection gap has narrowed since 2010 but remains larger than before the financial crisis of 2008‒09. We forecast that the gap will widen in the coming years if current economic and insurance market trends continue. -
Closing the gap in Guangdong: Economic resilience against natural disasters for cities
Super-typhoon Haima struck China's Guangdong province in October 2016. Already within a week, insurance companies were able to make a pay-out to the city of Shanwei. It was the first payout associated with the innovative Swiss Re-led index insurance programme launched in China in the same year. -
Closing the gap in Heilongjiang: Building climate resilience in rural provinces
China experiences frequent natural disasters, often causing deaths and widespread damage. If recovery measures are delayed, it can spell long-term disaster for the economy of a region. A new Swiss Re-led natural disaster insurance programme in China turns contingency liabilities for disaster relief into contigency capital that helps rural provinces get back on their feet. -
4/2018 - sigma No 4/2018: Profitability in non-life insurance: mind the gap
China experiences frequent natural disasters, often causing deaths and widespread damage. If recovery measures are delayed, it can spell long-term disaster for the economy of a region. A new Swiss Re-led natural disaster insurance programme in China turns contingency liabilities for disaster relief into contigency capital that helps rural provinces get back on their feet. -
sigma No 4/2018: Profitability in non-life insurance: mind the gap
The latest edition of sigma promotes the need for improved underwriting margins in most non-life primary markets. Pricing dynamics may have reached an inflection point with some moderate rate increase since late 2017, but it is too soon to declare a return to hard market conditions. We expect positive economic momentum to support earnings but this alone will not generate sustained improvement in profitability: more rate increases are needed. All told, insurance remains an attractive long-term investment opportunity, having delivered returns comparable with others sectors over the long run, and also offering diversification benefits. -
ILS market update August 2018
While not quite reaching the issuance levels of 1H 2017’s USD 8.4bn, the first half of 2018’s new issuance closely trailed at USD 7.309bn. 1Q 2018 was the largest issuance for any 1Q on record, and 2Q 2018 issuance was second only to 2Q 2017. -
The earthquake protection gap facing China’s commercial banks: on shaky grounds
The latest Expertise Publication from the Swiss Re Institute raises the question of whether enough is being done to help commercial banks in China protect themselves from all the risks that earthquakes pose. Depending on the locations of their credit assets, some banks could be susceptible to very large earnings hits in the event of a major earthquake, and many may not realise how vulnerable they are.
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