{"title":"自然灾害保险需求:系统回顾。","authors":"Farai B Mushonga, Syden Mishi","doi":"10.4102/jamba.v14i1.1223","DOIUrl":null,"url":null,"abstract":"<p><p>The mitigation of natural hazard costs such as loss of property, life, crops and medical costs can be achieved through the adoption of insurance. It is, however, not clear whether there is corresponding demand for insurance given the increasing frequency and veracity of natural hazards, especially in South Africa. This study follows the guideline of Preferred Reporting items for Systematic Review and Meta-analysis Protocols (PRISMA-P) to identify the relevant works on the subject. A total of 645 articles emerged on initial search and after screening, 39 remained which have been reviewed in this study. Reviewing the studies and conflating with the study objectives, the following themes emerged for discussion on demand for natural hazard insurance, is there demand for natural hazard insurance?; psychology of decision-making; risk perception; risk preference and willingness to pay. The study found that studies of demand for insurance have identified that there is low demand for tailor-made insurance products for natural hazards. Further analysis of the demand revealed that normative and descriptive decision-making of buying natural hazard insurance is part of the psychological factors that determine demand. Whilst risk preference and perception have sub-attributes that affect their impact on demand such as experience, age and salience to natural hazards in communities. Whilst willingness to pay is also a broad concept which is analysed using both monetary and non-monetary factors in literature, the results also identified that there is a huge gap in literature in terms of studies that cover risk preference and perception in Africa and in the Southern African Development Community (SADC) region.</p>","PeriodicalId":1,"journal":{"name":"Accounts of Chemical Research","volume":" ","pages":"1223"},"PeriodicalIF":16.4000,"publicationDate":"2022-05-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9210195/pdf/","citationCount":"0","resultStr":"{\"title\":\"Natural hazard insurance demand: A systematic review.\",\"authors\":\"Farai B Mushonga, Syden Mishi\",\"doi\":\"10.4102/jamba.v14i1.1223\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p><p>The mitigation of natural hazard costs such as loss of property, life, crops and medical costs can be achieved through the adoption of insurance. It is, however, not clear whether there is corresponding demand for insurance given the increasing frequency and veracity of natural hazards, especially in South Africa. This study follows the guideline of Preferred Reporting items for Systematic Review and Meta-analysis Protocols (PRISMA-P) to identify the relevant works on the subject. A total of 645 articles emerged on initial search and after screening, 39 remained which have been reviewed in this study. Reviewing the studies and conflating with the study objectives, the following themes emerged for discussion on demand for natural hazard insurance, is there demand for natural hazard insurance?; psychology of decision-making; risk perception; risk preference and willingness to pay. The study found that studies of demand for insurance have identified that there is low demand for tailor-made insurance products for natural hazards. Further analysis of the demand revealed that normative and descriptive decision-making of buying natural hazard insurance is part of the psychological factors that determine demand. Whilst risk preference and perception have sub-attributes that affect their impact on demand such as experience, age and salience to natural hazards in communities. Whilst willingness to pay is also a broad concept which is analysed using both monetary and non-monetary factors in literature, the results also identified that there is a huge gap in literature in terms of studies that cover risk preference and perception in Africa and in the Southern African Development Community (SADC) region.</p>\",\"PeriodicalId\":1,\"journal\":{\"name\":\"Accounts of Chemical Research\",\"volume\":\" \",\"pages\":\"1223\"},\"PeriodicalIF\":16.4000,\"publicationDate\":\"2022-05-27\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9210195/pdf/\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Accounts of Chemical Research\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.4102/jamba.v14i1.1223\",\"RegionNum\":1,\"RegionCategory\":\"化学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"2022/1/1 0:00:00\",\"PubModel\":\"eCollection\",\"JCR\":\"Q1\",\"JCRName\":\"CHEMISTRY, MULTIDISCIPLINARY\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Accounts of Chemical Research","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.4102/jamba.v14i1.1223","RegionNum":1,"RegionCategory":"化学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"2022/1/1 0:00:00","PubModel":"eCollection","JCR":"Q1","JCRName":"CHEMISTRY, MULTIDISCIPLINARY","Score":null,"Total":0}
Natural hazard insurance demand: A systematic review.
The mitigation of natural hazard costs such as loss of property, life, crops and medical costs can be achieved through the adoption of insurance. It is, however, not clear whether there is corresponding demand for insurance given the increasing frequency and veracity of natural hazards, especially in South Africa. This study follows the guideline of Preferred Reporting items for Systematic Review and Meta-analysis Protocols (PRISMA-P) to identify the relevant works on the subject. A total of 645 articles emerged on initial search and after screening, 39 remained which have been reviewed in this study. Reviewing the studies and conflating with the study objectives, the following themes emerged for discussion on demand for natural hazard insurance, is there demand for natural hazard insurance?; psychology of decision-making; risk perception; risk preference and willingness to pay. The study found that studies of demand for insurance have identified that there is low demand for tailor-made insurance products for natural hazards. Further analysis of the demand revealed that normative and descriptive decision-making of buying natural hazard insurance is part of the psychological factors that determine demand. Whilst risk preference and perception have sub-attributes that affect their impact on demand such as experience, age and salience to natural hazards in communities. Whilst willingness to pay is also a broad concept which is analysed using both monetary and non-monetary factors in literature, the results also identified that there is a huge gap in literature in terms of studies that cover risk preference and perception in Africa and in the Southern African Development Community (SADC) region.
期刊介绍:
Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance.
Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.