Recommendations and challenges regarding the construction of climate change impact scenarios in health and life insurance

Recommandations et enjeux concernant la construction de scénarios d'impact du changement climatique en assurance santé et vie

Stéphane Loisel (), Adeline Stephan and Rayane Vigneron
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Stéphane Loisel: LIRSA - Laboratoire interdisciplinaire de recherche en sciences de l'action - CNAM - Conservatoire National des Arts et Métiers [CNAM]
Adeline Stephan: Guy Carpenter
Rayane Vigneron: UCBL - Université Claude Bernard Lyon 1 - Université de Lyon

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Abstract: Following initial pilot stress test exercises proposed by insurance and banking regulators (see e.g. [ACPR, 2024]), insurance and reinsurance companies face the challenge to design climate change impact scenarios up to time horizons ranging from 2050 to 2100, much beyond the traditional 3 to 5-year view usually provided in their Own Risk and Solvency Assessment. We provide general recommendations for the construction of such scenarios and illustrate them in the context of health and mortality risks of a Metropolitan France insurer.

Keywords: Climate change risks; Scenario analysis; Insurance industry; Enterprise Risk Management; Health impacts; Mitigation measures; Resilience (search for similar items in EconPapers)
Date: 2025-03-10
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