The State of Microinsurance 2016

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This second edition of the Microinsurance Network's annual journal presents the insights and views of 22 experts in the field with regards to innovative developments in product design, distribution and regulation. Topics discussed include behavioural economics in microinsurance, the contribution of insurance to capital market development, and the possibility of benchmarking microinsurance based on key performance indicators. For the first time, the journal includes a debate which focuses on the role of private health insurance in achieving universal health coverage.

DRAFT: "Pure" Intentions and Practice: Challenges and Good Practices in Consumer Protection in Microinsurance

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This paper explores challenges and good practices in consumer protection in microinsurance, defining “consumer protection” as the effective use of microinsurance products by low-income consumers to protect themselves against risk.

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Case study: Strengthening consumer protection in the South African microinsurance market

This case study reflects on regulatory developments in the South African microinsurance market intended to better protect lower income consumers of insurance and extracts learning in this regard that can inform other jurisdictions embarking on a similar path. The study provides a snapshot of the existing microinsurance market in South Africa, taking into account the degree of financial inclusion, typical products and which entities provide them, and the regulatory landscape.

Risk, coping mechanisms, and factors in the demand for micro-insurance in Ethiopia

This paper is the result of a policy study carried out for the International Labour Organization (ILO) and the United Nations Capital Development Fund (UNCDF), to determine how microinsurance can help Ethiopia’s poor become more resilient to negative financial shocks. The research focuses on the demand components of microinsurance, and investigates two main research questions: Do low-income households in Ethiopia need insurance? If so, would they be willing to buy it if it were made widely available?The study answered these two questions through a literature review and quali

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