Incentivized disaster preparedness & gamification by SAADITHYA + SARKAR

Dear Saadithya, I like your proposal.

I think it´s very interesting, but expensive. In my opinion you should revise the cost of implementation, not only in differents countries but also in differents events. It seems you focus in floods, hurricanes and tsunamis . It will be very useful to include the name of the countries to developed your proposal. Remember our cities and rural areas in undedevelopment countries are more vulnerable to climate change.

Good luck,

María

@Maria Repetto Thanks for your feedback & support. The cost is including the multi platform app developement web portal development, dedicated hosting etc. The portal & app is packed with features and educational game development costs, so I think cost is reasonable. Once the portal is up and running we plan to get sponsorship from multiple insurance companies so in the long run the portal can deliver good results. Since it is a global platform we have kept the disaster coverage broad including even drought insurance for farmers that could be because of climate change, the challenges around the world are very broad. We will keep our focus on main challenges like flood, Tsunamis & hurricanes but the smaller one are also included since the conventional insurance doesn't take care of it and we plan to plug this void.

I will do some research on countries where this proposal will best fit and add them as well.

Thanks & regards

Aadhithya

@Hari Krishna , @Maria Repetto, @Aadhithyaa Sujith  
My thanks for your valuable inputs and discussion. We've made some small changes in the submission, but would have made more substantial clarifications/improvements if we could...as below.

Though I (the itinerant, traveling member of the team) had technical difficulties in trying to update/edit the proposal, below is an additional perspective that I did not get to add or explain (given the risk of inadvertently deleting or overwriting content that we had painstakingly uploaded earlier):

Many countries, states and local administrations, whether developed or underdeveloped, have significant financial risk from their exposure to acute weather events and natural disasters (e.g. Harvey, Mexico earthquake, combination events, etc). More often than not, a major disaster will overwhelm the emergency response crews and facilities at the local district level, and require "knee jerk" infusions of crews and money from the state or national authorities. However, more often than not, the local population, i.e. those whose lives and livelihoods are at the most immediate risk, is neither prepared nor insured. That is the conundrum we have sought to address through the proposal. When local people, communities, businesses have been onboarded, trained, insured (to the extent they are willing to pay, however small), they have - so to speak - "more skin in the game" and thus more motivation to equip themselves with necessary knowledge and training. They have a greater appreciation of the need to be prepared, a better understanding of what they can do (i.e. they don't feel helpless), empowerment. Through chatbots, gamification, preparedness trainings, etc we think that the local population can indeed take a greater interest in preparedness, and in insuring themselves to the extent they can afford. This... 
1. Builds up a cadre of local knowledgeable citizens and volunteers, who can make a big difference in the outcomes when disaster strikes, and thus improve the resiliency of communities in affected geographical areas.

2. As a result, governments from the local and up to the national level have to carry a lesser burden should disaster indeed strike. 

3. When individuals, communities and businesses in affected areas have been prepared in advance for disasters through our proposed platform, the financial losses from a disaster are very likely to be less (compared to a scenario where there was no advance preparation). This is great for insurance companies, as is a reason we expect to involve insurers as shareholders in our approach.

As for poor nations and communities where insurance is not all that prevalent yet, we believe that governments can benefit from our approach. And, from our own observations over the past few decades, we've seen the insurance sector spread in countries like India, Nepal, Bangladesh, etc and many others. The current system - where national governments either print more money or take on more debt to pay for the cost of disaster recovery - is untenable. Whether insurance is extended by private insurers or from state-backed insurers, our proposed platform can help communities prepare for and adapt to the truth of climate change and natural & weather disasters.

Thank you!

Mitul Sarkar

We are not insular in our thinking!

1. "DFID points out that the economic costs of disasters in developing nations are rising, and since 1980 have been equal to one-third of all official development assistance provided by richer countries to poorer ones in that period.

In rich countries, almost half of all losses are absorbed by insurance, but in poorer countries less than 5 percent are covered, with the rest borne by individuals, businesses and government, slowing growth and forcing people into poverty, the aid department says.

A number of international programmes are already trying to boost insurance coverage in poorer countries. They include African and Caribbean insurance pools offering governments protection from weather and climate disasters, and the "InsuResilience" initiative, led by G7 nations, which aims to increase the number of poor people with insurance coverage for climate-related hazards, via public and private schemes, by up to 400 million by 2020."

"Livestock insurance for drought-hit pastoralists in Kenya, and micro-insurance against typhoon damage in the Philippines, for example, have shown promising results." (source https://www.zilient.org/article/insurance-protection-against-disasters-whos-it-meant-help )

2. "... protecting the poor against natural hazards is a moral, economic, and social imperative. The poor can lose everything to disaster, and not just money. After Hurricane Mitch hit Nicaragua in 1998, for example, child malnourishment among poor households spiked by nearly 9%. And child labor jumped 5.6% as Nicaraguan families grew desperate to make ends meet, lacking any other way to cope with the losses from the hurricane." (source http://blogs.worldbank.org/voices/resilience-most-vulnerable-managing-disasters-better-protect-worlds-poorest )

I strongly support this proposal for its Innovative mix of strategy and technology.

I have just Invited my connection in the Linked in to take a look at this proposal and many such Interesting proposals in this contst-https://www.linkedin.com/feed/update/urn:li:activity:6355844583854739456

Wishing you all the best

An Interesting proposal. Sounds expensive, but one can find ways to reduce the costs. The idea must be explored to see into an action. 

I strongly support this Herculean task which you have undertaken as a challenge to save the nations and public in general.

Good luck

The proposal is innovative and indeed timely.

Best Wishes for its implementation, Anwesha

Like your proposal a lot. Wishing you guys all the best. Javed Sultan

Javed, thanks. We need more engineers like you!

Dear Aadithya and Sarkar,

Hearty Congratulations.

Best Wishes 

Hari Krishna

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