Multi-Stakeholder Dialogue on Microinsurance


The Pakistan economy expanded by 4.24% in the fiscal year 2014-15. Growth came from all sectors including agriculture, industry and services. One of the major tax sources is its industrial sector which produces 20.30% of the national GDP. Most low-income people in Pakistan, those working in the agriculture sector, as well as in textile and clothing are exposed to a number of life risk events. Specific MI products can manage the negative impact of unexpected incidents.

Pakistan: Delivering affordable life insurance solutions through mobile phones


Low-income households and micro, small and medium size enterprises are particularly vulnerable to risks and those risks generally bring heavy financial implications. As climate change has an impact on all regions of the world, the poor and the vulnerable are the most at risk of the dire consequences that push millions into poverty every year. Nevertheless, there are two key challenges to extending effective insurance services to low-income households and a deterrent for the engagement of commercial insurers.


Pakistan: Delivering health based plan for women and their families through a non-government organisation


Pakistan is the sixth most populous country in the world with an estimated population of 190 million in 2015. Approximately 40% are poor according to the Multidimensional Poverty Index. The proportion of people identified as multidimensionality poor in urban areas is significantly lower than in rural areas – 10% and 55% respectively.

Assessment of Health: Microinsurance Outcomes in the Northern Areas, Pakistan

This study assesses whether the HMI program reduces household vulnerability to health risks and if so, how. The research investigates changes in household health risk management behavior and health-seeking behavior to determine if households that enroll in the health microinsurance achieve improved financial and health outcomes as a result of using the insurance. The evaluation also probes for changes at the hospital level, such as new levels of hospital utilisation, costs, and revenues that could lead to changes in the quality of care offered.

Microinsurance in Pakistan: A Diagnostic Study on Demand and Supply

The study is a country diagnostic of the microinsurance landscape in Pakistan. It identifies the demand for and provision of microinsurance services in Pakistan, analyses the gaps, identifies best practices, methods and guidelines in microinsurance, and develops a comprehensive regulatory framework that would safeguard the interests of all stakeholders.

Can Microinsurance Help Prevent Child Labor? An Impact Evaluation from Pakistan

Poor households in developing countries, such as Pakistan, are especially vulnerable to economic shocks. They often have limited access to savings, credit and tangible assets. As a consequence, households might have to sell productive assets important for long-term income generation, and/or reduce consumption. This paper, published by the Institute of the Study of Labor (IZA), provides evidence on the effects of insurance on child labour.

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