The Microinsurance market in Guatemala, in Microinsurance: What do we know?

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Today, regulatory supervisors, governments, public and private donors, and stakeholders in the insurance market are committed to improving access to insurance products. New legislation on microinsurance, sound policies conducive to the development of insurance markets, and the growing activity of traditional insurance and reinsurance companies in this field are clear signals in this direction.

Columna, Guatemala, Case Study

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In 1946, the Republic’s Congress created the Guatemalan Institute of Social Security (IGSS), which established several social protection benefits, including accident and illness at work, maternity coverage and health care. However, only employees with a fixed contract appearing on a company’s payroll could be members of the IGSS. Therefore, the self-employed, workers in the informal economy and the unemployed do not benefit from social security and are unprotected from the main health and death risks.

MILK Discussion Note #2: Are Existing Health Financing Mechanisms Sufficient for Poor Women in Guatemala?

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The MILK Project has reviewed some of the data from the Microinsurance Innovation Facility's market study of BanRural clients in Guatemala in order to develop a better understanding of the health financing alternatives available to poor women in Guatemala and develop a hypothesis of the value that microinsurance might have for poor women. This hypothesis will be tested once Aseguradora Rural launches a new product aimed at covering women’s health needs and marketed to savings clients of BanRural in the last quarter of 2011.

Are Existing Health Financing Mechanisms: Sufficient for Poor Women in Guatemala?

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This discussion note examines the health financing alternatives available to poor women in Gautemala and develops a hypothesis of the value that microinsurance might have for poor women. This hypothesis will be tested once Aseguradora Rural launches a new product aimed at covering women’s health needs and marketed to savings clients of BanRural in the last quarter of 2011.

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