Seguros: una brecha de protección de 424.000 millones
La proporción de pérdidas aseguradas se sitúa en el 27,3% y la acumulación de activos de riesgo eleva el déficit de cobertura, según Swiss Re. Leer
Seguros: una brecha de protección de 424.000 millones
According to Swiss Re Institute, the global gap in insurance coverage for natural disasters reached $424 billion last year, a 7% increase from the previous year. This widening gap is primarily due to the growing number of assets exposed to extreme natural events, driven by global economic growth. While the penetration of insurance worldwide is increasing, it is not sufficient to cover the rising needs for protection.
The index of insurer resilience, which evaluates the proportion of economic losses that would fall on private insurance, stood at 27.3% in 2025, slightly higher than the 27% in 2024. However, the absolute value of the gap has increased by 7% to $424 billion, up from $395 billion in 2024. The worst situation is seen in emerging markets, where only 8-9% of potential losses from natural disasters are covered.
In regions like Europe, the Middle East, and Africa, the insurer resilience index is at 41.3%, up slightly from 41.1% in 2024, but the gap has widened to $43 billion from $39 billion a year ago.
Written by urgent.news from Expansion ES's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
