The Impact of COVID-19 on the Insurance Industry
The Impact of COVID-19 on the Insurance Industry
复制标题
COVID-19 对保险业的影响
DOI：
10.3390/ijerph17165766
复制
发表时间：
2020-08-01
影响因子：
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通讯作者：
Bian, Dehui
中科院分区：
文献类型：
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作者：
Babuna, Pius;Yang, Xiaohua;Bian, Dehui
本研究通过研究2020年3月至6月加纳的案例，调查了COVID-19对保险业的影响。通过与SARS-CoV，H1N1和MERS等以前的流行病进行平行比较，我们制定了模拟流行病对保险业影响的大纲。该研究采用定性和定量访谈来估计大流行的影响。目前的趋势是经济衰退，利润减少，但索赔增加。由于旅行、活动取消和其他经济损失，加纳保险业目前估计损失为1.12亿加纳法郎。我们的比较和预测预测经济指标将从2021年1月开始正常化。与此同时，在疫情持续的情况下，保险公司应适应远程工作，培训和装备员工在社交距离法规下工作，加强网络安全协议，并使用电子支付渠道简化索赔/保费处理。这将需要加纳卫生部、银行部门、警察局、海关和预防局、其他有关部委和国际社会的合作，以制止这一流行病。
This study investigated the impact of COVID-19 on the insurance industry by studying the case of Ghana from March to June 2020. With a parallel comparison to previous pandemics such as SARS-CoV, H1N1 and MERS, we developed outlines for simulating the impact of the pandemic on the insurance industry. The study used qualitative and quantitative interviews to estimate the impact of the pandemic. Presently, the trend is an economic recession with decreasing profits but increasing claims. Due to the cancellation of travels, events and other economic losses, the Ghanaian insurance industry witnessed a loss currently estimated at GH Ȼ112 million. Our comparison and forecast predicts a normalization of economic indicators from January 2021. In the meantime, while the pandemic persists, insurers should adapt to working from remote locations, train and equip staff to work under social distancing regulations, enhance cybersecurity protocols and simplify claims/premium processing using e-payment channels. It will require the collaboration of the Ghana Ministry of Health, Banking Sector, Police Department, Customs Excise and Preventive Service, other relevant Ministries and the international community to bring the pandemic to a stop.