What’s the future of microinsurance in China?

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This article discusses the future of microinsurance in China. Rapid economic development over the past three decades has benefited the lives of many Chinese, but millions still live in poverty. Those who have not prospered include, especially, poor farmers and migrant laborers from impoverished rural regions who go to urban centers in search of work—the largest human migration in history, by some accounts. The government sees microinsurance as a vital element in providing a social safety net to its citizens still living in poverty.

Social Networks and the Decision to Insure: Evidence from Randomized Experiments in China

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Using data from a two-year randomised experiment in rural China, this paper studies the influence of social networks on the decision to adopt a new weather insurance product and the mechanisms through which social networks operate. One year later, social networks continue to affect insurance demand: observing an above-median share of friends receiving payouts increases insurance take-up at a rate equivalent to about 50% of the impact of receiving payouts directly.

Microinsurance to the last, the least and the lost

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The report sheds light on technology that has enabled the vast scope and coverage of microinsurance in India. “The technology included in Rashtriya Swasthya Bima Yojna to the rural population has made cashless and paperless transactions possible with easy evaluation and monitoring, in addition to ensuring secure processing,” says Prathima Rajan, Celent Analyst and author of the report. The report will help inform insurers that are intending to offer microinsurance or health insurance in emerging markets.

L'assurance islamique ou Takaful a-t-elle un avenir en Algérie?

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Cet article vise à introduire le concept et l'industrie du Takaful au plus grand nombre, avec des statistiques sur les marchés afin d’en démontrer l’existence en tant que tendance de fond. Il servira à présenter les origines du concept et l'industrie du Takaful, son histoire, les acteurs de l'industrie, les modèles Takaful, les statistiques mondiales et les opportunités, ainsi que les défis de cette industrie.

Can microinsurance protect the poor?

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This article examines whether or not microinsurance that covers the lives, health and property of the poor can provide protection against natural disasters. While microinsurance is beginning to be seen as a central way of providing social protection to the increasing numbers of people affected by natural disasters such as hurricanes, flooding and drought, major insurance firms are still being put off entering the market because microsinsurance claims have to have few, if any, exclusions.

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