Pooling, Saving, and Prevention : A Comprehensive Insurance Approach to Social Risk Management

Packard, Truman

World Bank, Washington, DC

关键词: ACCIDENT INSURANCE;    ADVERSE SELECTION;    AGGREGATE DEMAND;    BANK POLICY;    CASH TRANSFERS;   

RP-ID  :  53806

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Individuals and societies can respond ina variety of ways when faced with the prospect of economiclosses from shocks like natural disasters, sickness, suddendeath, disability and unemployment. Social risk managementis a conceptual framework encompassing three broadcategories of response: prevention, mitigation, and coping.The comprehensive Insurance approach focuses on mitigation,offering a tool for determining which insurance instrumentsand preventive measures will be most effective given thesize and frequency of various types of possible economiclosses. This article explains the comprehensive insuranceframework, and uses it to assess recent reforms inChile's unemployment insurance system.