What is the obstacle that poor countries might experience in preparing their disa

What is the obstacle that poor countries might experience in preparing their disaster insurance?（ ）

[A] It is not easy to explain the important items of insurance in normal times.

[B] The severity of the disaster is not big enough to trigger a payout.

[C] The insurance premiums are too expensive for poor countries to afford.

[D] The insurance payout can't meet the need for recovery.