日内瓦协会：2025年保险作为新兴经济体金融包容性的核心要素报告（英文版）

Financial inclusion has become a cornerstone of sustainable development, particularly in emerging economies, where households remain highly vulnerable to financial shocks. Despite global advances in payment, savings, credit, and insurance services, more than 1.3 billion adults worldwide still lack access to formal financial systems. Many more remain underserved, including in insurance, resulting in vast protection gaps.