
From Provision to Protection: Rethinking the Health Protection Gap
By Craig Thorburn 21 April 2026 Across Asia, health is a central priority of many governments. Over the past decades, much effort has gone into
Climate change is increasingly reshaping mortality patterns worldwide, with Asia among the most exposed regions. Understanding how environmental risks translate into mortality outcomes is becoming critical for pricing, reserving, and long-term planning.
As part of the Global Asia Insurance Partnership's Living Lab, and in collaboration with our key academic partner, Nanyang Technological University, we had undertaken a study to quantify and project climate-attributable mortality across Asia. The study explores how extreme weather, and air pollution affect mortality, and includes a Climate Risk Adjustment Factor (CRAF) that can be applied to base mortality tables to support climate stress testing and forward-looking risk assessment.
Building on these findings, we are pleased to publish our Living Lab report "Climate-Adjusted Mortality Modelling in Asia" and would like to encourage you to share this publication with colleagues who may have an interest in climate risk, mortality analytics, and long-term insurance sustainability. Further details and tools will be available in the members-only section of our website.
As climate risk accelerates, we hope this work supports our partners in developing more resilient, forward-looking approaches to mortality risk management.
Author: Chee Keen Liang, Dr. Wenjun Zhu, Dr. Shinichi Kamiya, Dr. Ciyu Nie

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