健康是我们最大的财富：人寿和健康保险公司如何推动更好的健康结果并解决保护缺口（英）

Health is Our Greatest WealthA paper produced by the Life & Health Working Group of UN Environment Programme’s Principles for Sustainable Insurance InitiativeJune 2023How life & health insurers can drive better health outcomes and address the protection gapHealth is Our Greatest Wealth iiContents | DisclaimerThe designations employed and the presentation of the material in this publication do not imply the expression of any opinion whatsoever on the part of the United Nations Environment Programme concerning the legal status of any country, territory, city or area or of its authori-ties, or concerning delimitation of its frontiers or boundaries. Moreover, the views expressed do not necessarily represent the decision or the stated policy of the United Nations Environment Programme Finance Initiative, nor does citing of trade names or commercial processes consti-tute endorsement.This paper is based on a public consultation and collective consensus, extensive discussion and efforts from the Project Team Member Companies (“Contributors”). The contents of this paper are for reference only, present an overview of challenges and opportunities from the life and health insurance business in supporting sustainable development and do not intend to be a definition of best practice, do not intend to be exhaustive and/or any standard which insurance organisations are asked or required to comply with or follow directly. For the avoidance of doubt, this paper is not a comprehensive list of all sustainability approaches the insurance industry is taking in relation to sustainability and life and health insurance.This paper should not form the basis of any third party’s decision to undertake, or otherwise engage in, any activity and third parties do not have any right to rely on it. The paper, by its nature, is not comprehensive and has not been independently verified. It contains various state-ments that are or could be “forward-looking” statements including as to any Contributor’s inten-tions, estimates, forecasts, targets and objectives. Words such as ‘may’, ‘will’, ‘should’, ‘expects’, ‘targets’, ‘anticipates’, ‘plans’, ‘believes’, ‘seeks’, ‘estimates’, ‘potential’ and ‘reasonably possible’ or the negative thereof, other variations thereon or similar expressions are intended to identify forward-looking statements. These statements are based on currently available information, plans, data, estimates and projections, and therefore undue reliance should not be placed on them. Forward-looking statements speak only as at the date they are made and involve inherent risks and uncertainties, as they may involve significant stated or implied assumptions, factors and subjective judgements which may or may not prove to be correct. A number of risks, uncer-tainties and other important factors could cause actual developments, performance and/or results to differ materially from the contributors’ expectations.  Neither the Contributors nor any of their respective subsidia