Insurance Development in Emerging Markets : The role of public policy and regulation

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      <subfield code="a">Insurance Development in Emerging Markets</subfield>
      <subfield code="b">: The role of public policy and regulation</subfield>
      <subfield code="c">Dennis Noordhoek, Bill Marcoux, Kai-Uwe Schanz</subfield>
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      <subfield code="a">Over the past few decades, the economies of many emerging markets have grown rapidly, lifting millions out of poverty and creating a rising middle class. Insurance is critical to economic development as it enables economic activity by protecting lives, livelihoods and assets against insurable risks. Insurance also acts as a shock absorber of adverse events, provides critical risk mitigation services and helps attract private capital to economies. An increase in climate-change-related events, COVID-19 and other catastrophes have heightened people's sense of vulnerability. For that reason, it is of great concern that insurance penetration in emerging markets remains low.1, 2 As a result, many of the individuals, households and businesses in the 14 markets covered in this study remain exposed to the risk of falling back into poverty and financial ruin. </subfield>
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