공공자연재해보험의 도입방안 - Microinsurance와 Index Insurance를 중심으로
A Plan for a New Public Natural Disaster Insurance -With priority given to Microinsurance and Index Insurance
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초록
기상재해는 해가 갈수록 증가하고, 엄청난 재산 및 인명 피해를 발생시키고 있으며 반복적으로 매년 정부는 엄청난 액수를 들여 재난 피해를 복구하고 있다. 이제는 기후변화로 인한 기상재난에 대해서 정부가 모든 것을 다 부담할 수 없음으로 인해 민간 또한 재난을 준비하는 장기적이고 예방적인 자연재해보험정책을 논의할 때이다. 무엇보다도 중요한 것은 단순한 재해보험도입이 아니라 재해 발생 시 가장 큰 피해를 입는 저소득층의 미래에 대한 불안 감소와 빠른 복구를 가능케 하는 사회보장적 성격을 지닌 재해보험을 도입한다는 것이고, 현실적으로 실행 가능한 방안으로 현재 시행중인 microinsurance(소액서민보험) 방식과 index insurance(지수보험) 방식을 혼용하여 도입하는 것이 바람직할 것으로 판단된다.
Abstract
Whenever several natural disasters hit Korea with huge damage of property loss and death toll, government spends huge sums of money for rehabilitation of devastated areas every year. It's time to discuss about a natural disaster insurance, which is a long-term as well as precautionary measure. It is advisable to discuss government involvement through the natural disaster insurance, implementation of countermeasures against natural disasters. The natural disasters insurance have to executed as follows, 1) introducing natural disaster insurance with characteristics of social welfare, which makes fast recovery and anxiety reduction in the low-income bracket. 2) advisable to mix the methods of microinsurance including the natural disaster and index insurance.
참고문헌 (27)
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