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第178期：亚洲长期存在的保险覆盖不足问题

本周ESG要闻：该地区自然灾害损失中仅有12.3%获得保险理赔

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Janice Lim

Janice Lim

Published Fri, Jan 16, 2026 · 07:00 PM
    • 亚太地区的保险覆盖不足问题，意味着财务能力最弱的群体正在承担由气候驱动的极端天气事件所造成的最大份额经济损失。
    • 亚太地区的保险覆盖不足问题，意味着财务能力最弱的群体正在承担由气候驱动的极端天气事件所造成的最大份额经济损失。 插图：TEOH YI CHIE

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    气候适应

    日益上升的气候变化成本

    亚太地区已成为在自然灾害损失方面保险覆盖最严重不足的地区。 

    根据Munich Re的《2025年自然灾害报告》，在总额约730亿美元的损失中，只有90亿美元获得了保险理赔，占比仅为12.3%。  

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