気候災害が家計の医療支出に与える財政的負担：オーストラリアからの証拠
The financial burden of climate disasters on household's health expenditure: evidence from Australia (原題)
Alejandro Betancourt-Odio, Marlene Fonseca, Santiago Budría
🤖 gxceed AI 要約
日本語
豪州HILDAパネルデータ（2009-2021）を用い、気象関連災害への直接曝露と自己負担の医薬品支出の関係を個人固定効果モデルで分析。災害曝露は医薬品支出の有意な増加と関連し、その効果は民間医療保険未加入者に集中。災害は身体的・精神的健康状態の報告確率も高め、気候災害の経済的コストが家計福祉に及ぶことを示す。
English
Using Australian HILDA panel data (2009-2021) and individual fixed-effects models, this study links direct exposure to weather-related disasters with higher out-of-pocket pharmaceutical spending. The association concentrates among those without private health insurance, and disaster exposure raises reported physical and mental health conditions, showing climate costs extend to household welfare.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
日本でも気候災害の健康・家計影響は適応政策や保険制度設計の論点となり、企業の気候リスク評価（物理的リスクの社会波及）を考える上で参考になる。
In the global GX context
Adds household-level health-cost evidence to the climate-risk literature, complementing TCFD/ISSB physical-risk framing by quantifying social spillovers of disasters and the buffering role of insurance coverage.
👥 読者別の含意
🔬研究者:気候災害の健康・家計支出への因果的影響を固定効果で識別する実証手法が参考になる。
🏢実務担当者:気候物理的リスクが従業員・地域社会の健康コストや保険負担に波及する点をリスク評価に組み込む示唆。
🏛政策担当者:災害時の医療費負担軽減における保険適用拡大の政策的意義を示す。
📄 Abstract（原文）
Climate change is increasing the frequency and intensity of natural disasters. While a growing literature documents their effects on psychological well-being, less is known about their implications for household medical expenditure. This study examines the relationship between direct exposure to weather-related disasters and out-of-pocket pharmaceutical expenditure. We use nationally representative longitudinal data from the Household, Income and Labour Dynamics in Australia (HILDA) Survey covering 2009-2021. Individual fixed-effects models account for time-invariant unobserved heterogeneity and control for a rich set of socioeconomic and demographic characteristics. Exposure to weather-related disasters is associated with significantly higher out-of-pocket pharmaceutical expenditure. This association is concentrated among individuals without private health insurance. An analysis of potential transmission mechanisms further shows that disaster exposure increases the likelihood of reporting several physical and mental health conditions. The findings suggest that the economic costs of climate-related disasters extend beyond physical damage and public reconstruction spending, affecting household welfare through higher pharmaceutical expenditure. The concentration of this burden among individuals without private health insurance highlights the potential role of insurance coverage in shaping the financial consequences of climate-related shocks.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://www.frontiersin.org/journals/public-health/articles/10.3389/fpubh.2026.1946887/pdffirst seen 2026-11-12 05:58:18 · last seen 2026-11-14 06:03:55
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