Father and daughter at Jokulsarlon Lagoon
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Climate Change

Localizing the impact of a looming health risk with high uncertainties

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    Climate change represents a significant and complex challenge for humanity, with the potential to affect human health in numerous ways. The impact of climate-related risks, including natural disasters and emerging infectious diseases, can influence mortality and morbidity rates. However, the effects of these risks are not yet fully understood, with considerable uncertainty across regions. To maintain resilience and effectively manage these risks, life and health insurers must gain a deeper understanding of the potential implications for underwriting, portfolio management and claims.

    Munich Re's Life Science Report provides a comprehensive guide to assessing both the promises and pitfalls of emerging medical trends and risks, helping life and health insurers to better navigate this environment of changing mortality and morbidity. The report examines the topics of Artificial Intelligence in Healthcare, Improving Cancer Outcomes, Prevention, Obesity and Climate Change.

    Climate Change – Key Facts

    Climate change poses uncertainties for life and health insurance as its effects vary widely across regions.
    Insurance-relevant hazards such as heat, air pollution including wildfire smoke, natural disasters, and emerging infectious diseases could lead to increasing mortality and morbidity risks.
    Quantitative analysis is needed to assess the region-specific impacts on underwriting, portfolio management and claims.
    Munich Re has developed a new modelling approach that combines portfolio data and climate change scenarios, enabling insurers to prepare for potential business impacts.

    Climate Change

    Explore our edition on "Climate Change" and find out more about the implications for life and health insurers.

    Explore the Life Science Report

    Contact our experts

    Alban Senn
    Dr. Alban Senn
    Chief Medical Officer, Head of Medical Research & Development
    Munich Re Life & Health
    Europe & Latin America
    Javier Gracia San Román
    Dr. Javier Gracia San Román
    Chief Medical Officer
    Munich Re Life & Health
    Southern Europe & Latin America
    Mathias Orban
    Prof. Dr. Mathias Orban
    Senior Medical Consultant
    Munich Re Life & Health
    Europe & Latin America
    Christiane Suchy
    Dr. Christiane Suchy
    Medical Consultant
    Munich Re Life & Health
    Europe & Latin America
    Andreas Armuss
    Dr. Andreas Armuss
    Chief Medical Officer
    Munich Re Life & Health
    Asia-Pacific, Middle East & Africa
    Matthew Paul
    Dr. Matthew Paul
    Chief Medical Officer
    Munich Re Life & Health
    Australia & New Zealand
    Hao Liu
    Dr. Hao Liu
    Chief Medical Proposition Officer
    Munich Re Life & Health
    Asia-Pacific
    Jaee Menon
    Dr. Jaee Menon
    Chief Medical Consultant
    Munich Re Life & Health
    South Asia, Southeast Asia, GCC
    Gina Guzman
    Dr. Gina Guzman
    Vice President & Chief Medical Director
    Munich Re Life US
    Timothy Meagher
    Dr. Tim Meagher
    Vice President & Medical Director
    Munich Re, Canada (Life)
    Bradley Heltemes
    Dr. Bradley Heltemes
    Vice President & Medical Director of R&D
    Munich Re Life US