Efficient distribution channels and the application of innovative technologies are two key success factors in enhancing the outreach of microinsurance. The purpose of this study is to offer a systematic analysis of the distribution channels and technologies currently being used in this context. The case studies address the experiences of Bradesco in Brazil and CARE in India. The distribution channels described include sale of microinsurance policies through commercial retailers, as well as through non-commercial channels such as primary health care centres. Besides describing in detail the distribution channels, the study also looks at the implications for consumer protection. As well as describing general points of consideration concerning technology applications in microinsurance, the study takes a detailed look at software, handheld devices, SMS, mobile internet connectivity and online/offline synchronisation.
Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH