Insurance Literacy Efforts of the German Development Cooperation: Voices from the field


An overview gathering and analysing relevant experiences available within the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ, German International Cooperation). It aims to provide guidance and examples for the practitioners of insurance literacy. GIZ implements relevant projects in developing countries and emerging economies together with local partners.

5th Consultative Forum Note: Consumer education - old questions, new thinking


In November 2015, regulators, supervisors and industry representatives came together for the 5th Consultative Forum, a platform for dialogue on microinsurance issues pertaining to regulation, organised by the Microinsurance Network, the a2ii, IAIS, with support of Munich Re Foundation. This note provides a summary on the topic of consumer education and illustrates key takeaways for supervisors and policymakers, as well as for the industry, in general.

Podcast #5: Women's World Banking's client education in Morocco

In the 5th edition of our microinsurance podcast series, we interview Women's World Banking's Microinsurance Director Gilles Renouil and Senior Associate Hilary Nichols, to find out more about the major marketing and client education efforts they rolled out as part of a partnership with Morocco's AlAmana to boost their microinsurance product which had been experiencing a low claims ratio and whose benefits were little understood by clients..

Breaking the ICE: The Role of Insurance Associations in Insurance Consumer Education - Paper n°31


In the last decade, some insurance associations (IAs) have expanded beyond their traditional core functions to develop insurance consumer education (ICE) programmes. Based on a review of the experiences of IAs in five countries, namely Brazil, Colombia, Kenya, Mexico and South Africa, Microinsurance Paper #31 discusses the steps that should be taken during the preparation of an ICE. These include assigning responsibility internally, defining funding mechanisms, setting clear goals, defining the programme target and identifying partnership opportunities.

Demystifying micro health insurance package design - Choosing healthplans all together (Chat)

This article examines the utilization of a simulation exercise known as Choosing All Health Insurance (CHAT). As a decision tool, this exercise allows variably educated resource-poor populations who are inexperienced with health insurance to select health benefits that they perceive to be relevant. CHAT was adapted to developmental context of India through the project "Strengthening Micro Health Insurance Units for the Poor" (2005-2006).

Health Microinsurance: A Comparative Study of Three Examples in Bangladesh

The health care system in Bangladesh is mainly urban-based, elite-biased and curative-orientated. Even though nearly 75% of the population lives in rural areas, the public and private health care development has concentrated mainly in urban areas. The standard and the level of health care provided by the public sector is inadequate due to low investment, bureaucratic mismanagement, and the lack of equipment, facilities, and trained medical professionals.

The pulse of a silently transforming India: A socio-economic profile of the micro(health) insurance target population

This paper analyses the results of a 2005 EU-India Economic Cross Cultural Programme Household Survey. The author gives insight into this segment’s changing needs and how microinsurance schemes can be designed better for a population in continual flux.


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