مجلة الباحث للدراسات الأكاديمية
Volume 13, Numéro 1, Pages 55-66
2026-01-10

Insurance Against Natural Disasters In Algeria: Between Legal Obligation And The Doctrine Of Insurance Perfection



Authors : Boudaoud Khelifa .

Abstract

In the absence of insurance against natural disasters in Algeria and the inability of individuals to cope with this type of risk on their own, the state has resorted to allocating funds from the public treasury to compensate for the loss of life and property whenever a natural disaster occurs, at a considerable cost to the state. Following the disasters in Bab El Oued and Boumerdès, the Algerian authorities reconsidered their approach to dealing with the effects of such disasters by amending the laws on insurance, resulting in Decree 03-12 on compulsory insurance against natural disasters.

Keywords

natural disasters ; state ; compensation ; amendment of laws ; compulsory insurance

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