Können wir uns gegen Tsunamis versichern?

Die Diskussion darüber, wie man auf die Tsunami-Katastrophe in Asien reagieren sollte, hat sich weitgehend auf staatliche Hilfsprogramme und offizielle Pläne zur Umsetzung von Frühwarnsystemen konzentriert. Kaum Diskussionen gab es dagegen über die Förderung privater Institutionen für das Risikomanagement, namentlich der Versicherungen.

Dies ist bedauerlich. Versicherungen bieten professionelles, präzise ausgearbeitetes Risikomanagement, das die Komplexität der abzusichernden Gefahren respektiert und kreativ auf individuelle Anforderungen reagiert. Die Förderung privater Versicherungen mag als indirekte Reaktion auf die Tsunami-Katastrophe erscheinen, aber sie ist eine vernünftige – und wirkungsvolle – Reaktion.

Die Versicherungsgesellschaften sind in viele der am stärksten betroffenen Regionen bisher nicht vorgedrungen. Einer Studie des Insurance Information Institute zufolge betrugen die Ausgaben für Nichtlebensversicherungen im Jahre 2003 lediglich 0,83% vom BIP in Indonesien, 1,19% in Thailand und 0,62% in Indien – gegenüber 5,23% vom BIP in den Vereinigten Staaten.

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