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德国分布式保险初创公司Etherisc将为肯尼亚农民开发基于区块链的农作物保险

2020-11-17 15:46

 

2020年11月14日,德国分布式保险初创公司Etherisc宣布,它正在为肯尼亚的小农开发区块链参数化作物保险平台。其目的是让天气事件自动触发保险赔付。


气候金融全球创新实验室(Global Innovation Lab for Climate Finance)和Etherisc进行的一项研究显示,该技术将政策发行成本降低了至多41%。这反过来又降低了农民高达30%的保费。


该研究还发现,发展中国家只有20%的小农能够获得农业保险。在撒哈拉以南的非洲,这一数字骤降至3%。随着气候变化导致洪水或干旱等极端天气事件,农作物越来越容易受到破坏。为了应对气候变化对非洲的影响,Etherisc和东非农业保险服务提供商Acre Africa寻求了保护农民的可持续解决方案。该项目旨在为25万东非农民提供保险。


作物保险解决方案建立在Etherisc在Etherum上的“通用保险框架”之上,该框架使用本地天气参数作为智能合同的输入。Chainlink公司的分布式oracle网络将为天气数据源提供一个安全的端到端连接,向智能合同广播数据。智能联系人的各方将能够独立核实信息。在极端天气事件中,保单会根据输入的数据自动触发,从而产生公平、及时、透明的赔付,保险公司无法篡改或更改这些赔付。


一个典型的索赔周期可能长达3个月,而Etherisc的解决方案将时间缩短到一周,这让农民对保险过程更有信心。Etherisc希望其农作物保险解决方案可以被用作相关解决方案的全球蓝图,因为第三方可以使用Etherisc的区块链保险产品模板来创建自己的产品。


区块链平台已经在之前与怡安和乐施会合作的项目中成功测试,并在2019年进行了首次支付。保险区块链解决方案是为斯里兰卡农民建立的,目的是降低成本,有效地覆盖风险。通过基于天气灾难的保险索赔过程自动化,保险公司Aon能够提供更实惠的价格。


区块链作为改善灾害保险赔付流程的一种手段,以前曾被仔细研究过。去年,美国联邦应急管理局顾问委员会的一份报告建议使用该技术加快保险过程,并引用了波多黎各的Maira和德克萨斯州的Harvey飓风。在这些飓风中,公民丢失了必要的文件,如土地所有权记录、身份证明和提交保险索赔所需的政策文件。

 

On 14 November 2020, the German decentralized insurance startup Etherisc announced it’s working on a blockchain parametric crop insurance platform for smallholder farmers in Kenya. The objective is for weather events to trigger insurance payouts automatically.

According to a study conducted by the Global Innovation Lab for Climate Finance and Etherisc, its technology reduces the costs required for policy issuance by up to 41%. This, in turn, reduces the premium for farmers by up to 30%.

The study also found that only 20% of smallholder farmers in developing countries have access to agricultural insurance. This statistic plummets to 3% in sub-Saharan Africa. With climate change resulting in extreme weather events such as floods or droughts, crops are becoming increasingly vulnerable to destruction. To tackle the effects of climate change in Africa, Etherisc and Acre Africa, an insurance service provider for agriculture in East Africa, have sought sustainable solutions to protect farmers. The project aims to provide 250,000 East African farmers with insurance coverage.

The crop insurance solution is built on top of Etherisc’s “Generic Insurance Framework” on Etherum, which uses local weather parameters as inputs to smart contracts. Chainlink’s decentralized oracle network will provide a secure end-to-end connection to the weather data sources, broadcasting the data to the smart contracts. Parties to the smart contacts will be able to verify the information independently. In extreme weather events, insurance policies are automatically triggered by the incoming data, resulting in fair, timely, and transparent payouts, which insurers cannot tamper with or alter.

Whereas a typical claim cycle can take up to three months, Etherisc claims their solution reduces the time to one week, giving farmers increased confidence in the insurance process. Etherisc hopes its crop insurance solution may be used as a global blueprint for related solutions, as third parties can use Etherisc’s templates of blockchain-based insurance products to create their own product.

The blockchain platform has been successfully tested in a previous project with Aon and Oxfam, making its first payouts in 2019. The insurance blockchain solution was built for Sri Lankan farmers to lower costs and cover risk effectively. By automating the insurance claims processes based on weather catastrophes, insurer Aon was able to offer more affordable prices.

Blockchain has been scrutinized as a means to improve disaster insurance payout processes before. Last year, a report by the advisory board of the U.S. Federal Emergency Management Agency recommended the use of the technology to expedite the insurance process, citing Hurricanes Maira in Puerto Rico and Harvey in Texas. In these hurricanes, citizens lost essential documents such as land ownership records, identification, and policy papers needed to file an insurance claim.

 

来自: Ledger Insights