Zurich Bolivia: Partnerships for Success

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Bolivia has made it possible for microfinance institutions (MFIs) to become regulated, and therefore provide valuable savings services, and access the capital markets to fund their growth. Through partnerships with the Private Financial Funds (commercial financial institutions), MFIs have been successful in offering financial services to the low-income market in Bolivia. However, MFIs still look for diversifying their services available to the poor.

Uganda country diagnosis: Making insurance markets work for the poor: Microinsurance policy, regulation and supervision

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This document forms part of a larger cross-country study looking at the micro-insurance experience in Colombia, India, the Philippines, South Africa and Uganda in order to develop a set of guidelines that can assist developing countries in creating a facilitative regulatory environment for micro-insurance. The ultimate aim of this cross-country study is greater financial inclusion particularly for insurance products, and it is therefore important that an understanding of financial inclusion and its determinants forms the basis for the rest of the analysis.

Philippines country diagnostic: Making insurance markets work for the poor: microinsurance policy, regulation and supervision. Philippines case study

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The Philippines has a strong mutual/cooperative tradition and informal risk pooling and underwriting is common. This, together with the growth of the microfinance industry, has been the driving force behind the development of microinsurance. Besides India, the Philippines is the only sample country where microinsurance is explicitly provided for in the insurance regulatory regime.

Indian country diagnostic: Making insurance markets work for the poor: microinsurance policy, regulation and supervision. Indian case study

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The sheer scale of the Indian low-income market creates enormous scope and need for microinsurance. Potential voluntary demand is strong, particularly for micro health cover. A strong political imperative exists for financial inclusion, resonating in regulation that mandates low-income market expansion, as well as a dedicated microinsurance space. Yet the actual extent of microinsurance penetration in India remains very small. The legacy of a state-owned insurance monopoly still looms large.

Colombia country diagnosis: Making insurance work for the poor: Colombian case study

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This document presents the findings from the Colombian component of a five-country case study on the role of regulation in the development of microinsurance markets. The objectives of this project were to map the experience in a sample of five developing countries (Colombia, India, the Philippines, South Africa and Uganda) where microinsurance products have evolved and to consider the influence that policy, regulation and supervision on the development of these markets.

Can insurance increase financial risk?: The curious case of health insurance in China

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The authors analyse the effect of insurance on the probability of an individual incurring 'high' annual health expenses using data from three household surveys. All come from China, a country where providers are paid fee-for-service according to a schedule that encourages the overprovision of high-tech care and who are only lightly regulated. The authors define annual spending as 'high' if it exceeds a threshold of local average income and as 'catastrophic' if it exceeds a threshold of the household's own per capita income.

Towards a strategy for microinsurance development in Zambia: a market and regulatory analysis

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This study forms part of a series of country studies commissioned by the ILO/UNCDF looking to support country-level microinsurance strategies and to develop cross-cutting insights on designing and implementing such strategies. In the case of Zambia the study is conducted in partnership with FinMark Trust Zambia and the FinMark Trust South Africa.

Microinsurance: A case study of the Indian rainfall index insurance market

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Rainfall index insurance provides a payout based on measured local rainfall during key phases of the agricultural season, and in principle can help rural households diversify a key source of idiosyncratic risk. This paper describes basic features of rainfall insurance contracts offered in India since 2003, and documents stylised facts about market demand and the distribution of payouts. The authors summarise the results of previous research on this market, which provides evidence that price, liquidity constraints, and trust all present significant barriers to increased take-up.

Microinsurance innovation case study: Hollard and Take it Eezi

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This case study forms part of a series of case studies completed for the FinMark Trust by Cenfri, as part of a larger study titled “Update on innovative microinsurance models and products in South Africa”. The purpose of the case studies is to review the success and development of various microinsurance models that have been launched during the last few years in South Africa.

Innovative microinsurance distribution: Pionner Seeds

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This case study on innovative microinsurance distribution analyses the case of an agriculture input supplier who purchased a blanket insurance product that insured an agreed value of seeds against low rainfall in the sowing season. The company, leveraging its robust marketing channels, passed on the benefits of this cover to farmers who purchased the seeds in small pre-packed quantities. The insurance cover was bundled with the seed packets, covering the extent of its cost. Thus, a mainstream insurance product, without much hassle, was translated into a microinsurance cover.

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