1、March2023The Life&Health Insurance Inclusion RadarWhy markets are more,or less,inclusive02 Executive summary03 Key takeaways:reading the Radars 04 Introduction08 Measuring inclusion:key findings20 Paths to more inclusive insurance25 Conclusion26 Appendix:Methodology2 Swiss Re Institute The Life and

2、Health Insurance Inclusion Radar No Life&Health(L&H)insurance market is fully inclusive.This is supported by the findings of our L&H Insurance Inclusion Radar,which provides a measure of the degree of inclusivity of L&H insurance markets in a sample of advanced and emerging economies.Factors that pr

3、omote and/or hinder inclusivity provide insights to help insurers extend their reach across a broader spectrum of society in the countries in which they operate.In this report,we consider“inclusive insurance”to be the provision of relevant risk protection covers to all people in society.In the conte

4、xt of L&H insurance,we explore three drivers of inclusion:the availability of and accessibility to relevant insurance services,and the affordability of insurance.The three dimensions Availability,Accessibility and Affordability(the 3As)make up the framework of the Inclusion Radar.Following this appr

5、oach,we find that no sample market has consistently high Radar scores across all the 3A dimensions.This indicates that there is scope for L&H business in all the sample markets to become more inclusive.Some common drivers explain the variance in Inclusion Radar scores.For instance,we find that the A

6、vailability of a wide range of L&H product types and options to suit consumer needs is one reasons why this dimension carries more weight in terms of fostering inclusion in advanced markets,more so than in emerging economies.The advanced markets also score higher with respect to offering skills deve