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Insurance premium for coverage against natural disasters

Data source provider

Insurers, takaful operators

Use cases

Financial stability monitoring

Data group

Insurance sector's exposure to climate risk

Metric Type

Physical vulnerability

Methodology/ Standard / Classification/ Taxonomy / Reference

Not applicable

Unit (e.g. CO2)

Currency (e.g. MYR)

Dimension (e.g. Sector, Customer)

By Sector

Time horizon 

Backward-looking

Frequency

Not available

Time series

Not available

Accessibility

Confidential

Observation on data availability/gaps

Data on "Gross Earned Premium/Contribution" and "Net Earned Premium/Contribution" by climate change-related products, such as Flood under Motor class, Fire class and Other class are collected from insurers and takaful operators on a half-yearly basis by BNM via CCPT reporting.

Aggregated data on premiums/contributions and claims by general business classes such as Fire, Motor, Medical and Health from insurance and Takaful industry are published on the BNM website via https://www.bnm.gov.my/publications/mhs since 2009 on a half-yearly basis. However, there is no specific information/category for natural disasters.

Insurance Services Malaysia (ISM) publishes the ISM Statistical Yearbook on an annual basis via https://www.ism.net.my/news-updates/ (requires free registration to access/download). The Yearbook provides key data on Malaysian insurance and takaful industry, such as premiums/contributions by line of business, net earned premiums/contributions, net claims incurred ratio etc. However, there is no specific information/category for natural disasters.

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