¿Podemos asegurar contra los tsunamis?

El debate sobre cómo reaccionar ante el desastre provocado por el tsunami de Asia se ha centrado fundamentalmente en los programas gubernamentales de socorro y los planes oficiales para aplicar sistemas de alerta temprana. Poca atención se ha prestado al fomento de las instituciones privadas de gestión de riesgos, en particular las de seguros.

Resulta lamentable. Las compañías de seguros brindan una gestión de riesgos profesional y muy detallada que respeta la complejidad de los peligros contra los que proteger y atiende de forma creativa las necesidades individuales. El fomento de los seguros privados puede parecer una reacción indirecta ante el desastre del tsunami, pero se trata de una reacción racional y sólida.

Las compañías de seguros no han penetrado en muchas de las regiones que sufrieron las mayores pérdidas. Según un estudio del Instituto de Información sobre los Seguros, en 2003 los gastos en seguros distintos de los de vida representaron sólo el 0,83 por ciento del PIB en Indonesia, el 1,19 por ciento del PIB en Tailandia y el 0,62 por ciento del PIB en la India, frente al 5,23 por ciento del PIB en los Estados Unidos.

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