发达经济体的包容性保险：缓解社会压力

INCLUSIVE INSURANCE INADVANCED ECONOMIES:Alleviating strains on societyKai-Uwe SchanzHead of Research & Foresight and Director Social & Financial Inclusion,Geneva Association The Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurancecompanies; our members are insurance and reinsurance Chief Executive Officers (CEOs).Based on rigorous research conducted in collaboration with our members, academicinstitutions and multilateral organisations, our mission is to identify and investigate keytrends that are likely to shape or impact the insurance industry in the future, highlightingwhat is at stake for the industry; develop recommendations for the industry and forpolicymakers; provide a platform to our members and other stakeholders to discuss thesetrends and recommendations; and reach out to global opinion leaders and influentialorganisations to highlight the positive contributions of insurance to better understandingrisks and to building resilient and prosperous economies and societies, and thus a moresustainable world.Geneva Association publications:Pamela Corn, Director CommunicationsHannah Dean, Editor and Content ManagerJooin Shin, Digital Content & Design ManagerSuggested citation: Geneva Association. 2024.Inclusive Insurance in Advanced Economies: Alleviating strains on society.Author: Kai-Uwe Schanz. November.© Geneva Association, 2024 All rights reservedwww.genevaassociation.orgPhoto credits:Cover page – Ryoji Iwata on Unsplash 2 ForewordExecutive summary1.Introduction2.Financial inclusion through insurance: The fundamentals2.1Definitions2.2Socio-economic benefits of inclusive insurance3.Inclusive insurance in advanced economies: Survey findings3.1Ownership of voluntary insurance3.2Need for additional coverage among the insured3.3Need for coverage among the uninsured3.4Reasons for not buying (more) insurance3.5Expectations towards insurers4.Barriers to inclusivity in insurance: A theoretical perspective4.1Lack of availability4.2Lack of accessibility4.3Lack of affordability4.4Lack of awareness5.Unlocking the potential of inclusive insurance5.1Fostering trust5.2Designing relevant products5.3Facilitating access5.4Promoting financial literacy5.5Engaging with the public sector6.ConclusionsReferencesContents 56812131517182123252527293031323335353838394143 ACKNOWLEDGEMENTSThis report is a product of the Social & Financial Inclusion work stream of the Geneva Association, co-sponsored by Antonio Huertas, Chairman and CEO of MAPFRE, and Markus Riess, CEO of ERGO.We are very grateful to the following experts and executives who made themselves available for in-depthinterviews in support of this research:•Joaquín de los Reyes, Director of Business Development, MAPFRE Spain•Carolina Erlich, Assistant Vice President, Customer Insights, MetLife•Salene Hitchcock-Gear, President, Individual Life Insurance, Prudential Financial•Prudence Ho, Senior Manager, Policy and Development,Hong Kong Insurance Authority•Catherine Hock, Senior Vice President, International Relations, International Cooperative and MutualInsurance Federation•Kwangmin Jung, Associate Professor, Department of Industrial and Management Engineering, PohangUniversity of Science and Technology(POSTECH)•Dong-Joo Lee, Commercial Lines MarketingDepartment, Samsung Fire & Marine Insurance•Shinji Matsumoto, General Manager, Product Planning Department, Nippon Life•Edward McGuiness, Executive Manager Strategy & Insights, Insurance Australia Group•Michael Pittmann, Director Corporate Insurance & Risk Management, State Farm•Josef Pommerening, Head of Sustainability, ERGO•Jonathan Porwick, Agency Vice President, State Farm Mutual Automobile•Hato Schmeiser, Chair Professor for Risk Management and Insurance, University of St. Gallen•Hidehiko Sogano, Chief Sustainability Officer, Dai-ichi Life•Ronnie Tan, Group CFO, Great Eastern•Joe Vasquez, Head of North America Consumer Digital, Chubb•Bob Watkins, Associate General Counsel, State Farm•Garance Wattez-Richard, CEO, AXA EssentiALL•Winnie Wong, CEO and Executive Director, Asia Insurance Company and Avo Insurance CompanyWe would also like to thank the members of the Working Group, established in support of our Social &Financial Inclusion research activities, namely: Manuel Aguilera (MAPFRE), Ricardo Anzaldua (Everest),Tomo Asaka (Tokio Marine), Jordi Balcells (VidaCaixa), Phelecia Barnett (Everest), Matthew Blakely(Reinsurance Group of America), Sen Chen (China Pacific Insurance Company), Olivier Desbiey (AXA),Diane Flanagan (Intact Financial Corporation), David Franco (Lloyd’s), Arne Holzhausen (Allianz), ThomasHolzheu (Swiss Re), Neil Kempston (Beazley), Yunlong Liu (People’s Insurance Company of China), KlausMühleder (Vienna Insurance Group), Gisela Plassmann (ERGO), Antonio Tome Ribeiro (Fidelidade), CamilaSerna (Chubb), Carola ter Braak (Achmea), Benoit Waltregny (Lloyd’s), Clarence Wong (Peak Re), SayakaYoneda (Nippon Life) and Ernesto Zaccaria (Ageas). 4 For