A toolbox for incorporating satellite-based data into weather index based insurance (SatWin toolbox)

极端气候，如降雨量极低或极高，使非洲农民面临灾难性损失，对生计造成毁灭性影响。由于缺乏获得传统保险的渠道，这些问题更加严重。自2005年以来，MicroEnsure率先推出了一种替代方案——基于天气指数的保险（WII）。如果天气指数被破坏，WII将赔付，而不是为已证实的损失投保。直到最近，WII还只对住在雨量计附近的农民开放。环境卫星数据时代已经过去了30年，现在有可能利用这些数据集为数百万居住在雨量计附近的农民提供保险。该项目将开发技术，以安全和可持续的方式扩大小额保险的规模，这将改善世界上一些最贫困人口的生计，同时使英国成为小额保险行业的全球领导者。

Climate extremes, such as very low or high rainfall, expose African farmers to catastrophic losses with devastating impact on livelihoods. These are exacerbated by lack of access to traditional insurance. Since 2005, MicroEnsure has pioneered an alternative -- weather index-based insurance (WII). Rather than insuring a proven loss, WII pays out if a weather index is breached. Until recently, WII has been available only to farmers living within close proximity to a rain gauge. Thirty years into the environmental satellite data era, there is now the potential to use these datasets to insure the millions of farmers who do not live near a rain gauge. This project will develop technologies to scale out WII in a safe and sustainable manner that will enhance the livelihoods of some of the poorest people in the world - while establishing the UK as global leader in the microinsurance industry.