Public-private insurance programmes must boost risk reduction to keep disasters insurable, finds Geneva Association report

ZURICH, 5 February 2026 – From floods and fires to cyberattacks and pandemics, natural and man-made disasters are becoming more frequent, more costly, and harder to absorb – exposing the limits of traditional insurance and post-crisis government relief. With uninsured losses mounting and public budgets under strain, policymakers and industry leaders face an urgent question: how can societies maintain affordable, reliable protection as disaster risks intensify? 

As medical costs top financial worries in emerging markets, insurers strive to build more affordable cover, says Geneva Association

ZURICH, 4 December 2025 – Households across emerging markets remain highly exposed to financial shocks despite major advances in digital payments, savings, and credit, according to a new report by the Geneva Association, Insurance as a Core Element of Financial Inclusion in Emerging Economies.

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