Título:
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Design and implementation of a collective risk transfer instrument for the insurance of low-income homeowners
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Autor/a:
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Marulanda Fraume, Mabel Cristina; Barbat Barbat, Horia Alejandro; Cardona, Omar Darío
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Otros autores:
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Universitat Politècnica de Catalunya. Departament de Resistència de Materials i Estructures a l'Enginyeria; Universitat Politècnica de Catalunya. (MC)2 - Grup de Mecànica Computacional en Medis Continus |
Abstract:
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This paper discusses how a catastrophe risk model –based on metrics such as the Probabilistic Maximum Loss and the Average Annual Loss– has been used to estimate, building by building, the probabil-istic losses of different portfolios of exposed elements. It also explains how a risk transfer instrument for the coverage of the private housing in two cities of Colombia –Manizales and Bogota– was designed, promoting the insurance culture and covering the low-income homeowners through a cross-subsidy strategy. This in-strument is a voluntary collective insurance promoted by the city administration and the insurance industry, using the mechanism of the estate-tax payment. The program provides the financial protection not only of the estate-tax payers but also of the low-income homeowners that cannot pay the tax due to their income limita-tions. This collective insurance helps the government to access key resources for the low-income householder recovery and improve disaster risk management at local level. |
Materia(s):
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-Àrees temàtiques de la UPC::Enginyeria civil::Geotècnia::Sismologia -Àrees temàtiques de la UPC::Desenvolupament humà i sostenible::Desenvolupament humà::Risc i vulnerabilitat -Earthquake hazard analysis -Risc sísmic |
Derechos:
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Tipo de documento:
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Artículo - Versión publicada Objeto de conferencia |
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