A Practical Guide to Impact Assessments in Microinsurance


The new book “A Practical Guide to Impact Assessments in Microinsurance” is the result of the work of the Microinsurance Network Impact Working Group in collaboration with 25 authors, and aims to guide donors and policy makers, academic scholars, and microinsurance practitioners in designing and carrying out high quality impact evaluations in microinsurance.

Microinsurance is a fast-growing sector providing innovative tools for risk protection of low income people. Impact evaluations are key to gaining more insight into the effects of microinsurance and the underlying causal relationships which can help optimise microinsurance schemes in future, improving their success, and ultimately contribute to the welfare of the poor.




Acknowledgments, table of content and foreword

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Chapter 1 - Introduction to impact assessments in microinsurance
An introduction to the analytical framework and the set of tools used to run impact studies in the field of microinsurance.

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Chapter 2 - What is microinsurance?
A comprehensive portrait of microinsurance, including target groups, products and processes.

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Chapter 3 - Why and how does impact happen?
An overview of the theory of change set to answer the questions of why and how impact occurs.

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Chapter 4 - What can we learn from impact assessments?
An in depth analysis on impact assessment methodology, calling for the establishment of comparison groups between the insured and the non-insured in order to analyse the impact related to microinsurance.

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Chapter 5 - Experimental designs
Building on impact assessment methodology, the case for experimental designs as a robust means of evaluation.

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Chapter 6 - Non-experimental methodologies for quantitative analysis
Additional statistical methods to enhance the  comparative use of data between the insured and the uninsured.

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Chapter 7 - Qualitative designs
A range of qualitative research approaches that can be used when quantitative methods fall short of explaining certain phenomena.

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Chapter 8 - The case of mixed methods for impact evaluation in microinsurance
Why an ideal impact evaluation combines both quantitative and qualitative techniques and is thus referred to as “mixed methods”.

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Chapter 9 - Defining indicators for impact assessments
Aspects linked to the choice of indicators used for impact assessments studies and examples of commonly used indicators.

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Chapter 10 - Core outcomes, impacts and indicators for microinsurance
A number of core indicators based on a Delphi study amongst microinsurance experts. Agreeing on core indicators for the microinsurance space is of key importance, so that future studies may include these indicators, enabling comparability and the drawing of lessons learned across the globe .

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Chapter 11 - Operationalising impact evaluation: from theory to practice
Insights on the amount of training and capacity building needed to ensure research tools are properly administered. Thoroughness in the process ensures an increase in data quality, which is essential for obtaining reliable answers to the research aspects in focus.

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Chapter 12 - Drawing conclusions
The need to ensure the validity of results’ datasets and their compatibility with the theory of change.

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Chapter 13 - Reporting and disseminating findings
An overview on dissemination options. It is a desirable to make the insights of evaluations available publicly, allowing others to learn from a scheme’s results.

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Chapter 14 - Systematic reviews
Systematic reviews provide answers on specific questions by drawing on the entire body of evidence available. They can be a key tool for providing reliable guidance for the development of the microinsurance sector, but need robust studies as a foundation.

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Appendix 1 - Guidelines for indicators
These guidelines are intended as a helpful tool for readers who are evaluating microinsurance products based on the core indicators described in chapter 10 of the Practical Guide.

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Edited by Ralf Radermacher and Katja Roth

Published by: 

  • Microinsurance Network


Microinsurance Network and Micro Insurance Academy


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