Notice of RetractionThe Micro-Insurance Plan Based on Risk Degree of Debris Flow

Notice of Retraction

After careful and considered review of the content of this paper by a duly constituted expert committee, this paper has been found to be in violation of IEEE\´s Publication Principles.

We hereby retract the content of this paper. Reasonable effort should be made to remove all past references to this paper.

The presenting author of this paper has the option to appeal this decision by contacting TPII@ieee.org.

The insurance companies usually classify the debris-flow disaster as "uninsurable". This paper proposes a new way for disaster insurance, which is the micro-insurance plan based on risk degree of debris flow. The micro-insurance plan, which can overcome some disadvantages such as adverse selection, moral hazard and high expenses for insurance management, is quite suitable for residents to participate in disaster insurance of debris flow in small cities or towns of China. Based on the risk assessment, this paper takes Dongchuan city in Shengou basin of Yunnan province as a case study to show the feasibility and risk countermeasures of the micro-insurance plan. When the property in different risk zones is insured, the micro-insurance plan based on risk degree of debris flow is made with some additional conditions, which can reflect the disaster features in specific regions and embody the principle of fairness. What\´s more, the micro-insurance plan will provide a new way for the development of disaster insurance in risk regions of debris flows.