MILK Brief #13: Doing the Math - Funeral and life microinsurance in the Philippines

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For this brief, the MILK team partnerned with the global microinsurance broker MicroEnsure and the microfinance institution Taytay Sa Kauswagan Inc. (TSKI) in the Iloilo province of Panay island in the Philippines, using its Client Math methodology to explore some of the open questions about the value of a combined funeral and life insurance product for low-income clients.

MILK Brief #11 - Doing the Math - Health Microinsurance in Maharashtra, India

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The MILK project partnered with the global insurance intermediary MicroEnsure to study the extent to which a health microinsurance product covering inpatient care offered value to clients in terms of reduced spending and improved access. There is strong evidence that insurance can reduce the out-of-pocket spending for families when large health crises hit, though the extent of this protection depends on the specific product features, exactly how benefits are delivered, and the socio-economic characteristics of the target community.

Improving working conditions in informal sector economies: Exploring the application of value chain finance strategies-microinsurance and microleasing

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The Value Initiative, a global urban value chain action-research program (a joint project of the SEEP Network and the Bill & Melinda Gates Foundation) addresses the issue of improving working conditions in informal sector economies by answering one of its core action research question: How can you apply market development and private sector development principles to address working conditions challenges faced by the urban poor?

Client-value of microinsurance products: evidence from the mutual assistance fund in Vietnam

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The microinsurance industry is relatively new in Vietnam and little research has been conducted on this industry. This study is one of the first that examines whether current insurance products provided by the Mutual Assistance Fund (MAF), Vietnam’s first microinsurance provider, satisfy their client’s needs.

Value-added service in health microinsurance

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A number of health microinsurance (HMI) practitioners, primarily in the Indian subcontinent, have begun to experiment with offering value-added services (VAS), services provided by HMI schemes to enhance the appeal of a basic health insurance product to low-income families. This research paper explores what value-services can be added to HMI to increase sales and achieve an improved claims experience, adequate enough to offset the incremental costs of the VAS.

The impact of health insurance education on enrolment of microfinance institution clients in the Ghana national health insurance scheme, northern region of Ghana

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Despite the fact that national health insurance has been available in Ghana since 2003, the coverage is far from universal, especially in rural areas. This study published by ILO's Microinsurance Innovation Facility evaluates a consumer education intervention for microfinance clients by Freedom from Hunger and Sinapi Aba Trust, designed to increase awareness, knowledge and eventually take-up rates of the National Health Insurance Scheme (NHIS).

The Determinants of Microinsurance Demand

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The document aims to outline the extent knowledge on the determinants of microinsurance demand and to discuss unresolved questions that deserve future research. To achieve this outcome, the authors review the academic literature on microinsurance demand published between 2000 and early 2013. The review identifies 12 key factors affecting microinsurance demand: price, wealth, risk aversion, non-performance risk, trust and peer effects, religion, financial literacy, informal risk sharing, quality of service, risk exposure, age, and gender.

MILK Brief #20: ‘Doing the Math’: Loan Protection Insurance in Cambodia

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Can credit life microinsurance provide value to clients?  In its 20th Client Math study, MicroInsurance Centre’s Microinsurance Learning and Knowledge (MILK) partnered with the Cambodian microinsurance provider MEADA to explore the value of a life microinsurance product that combines loan protection with a small cash payout in the even of a microcredit borrower's death.

MILK Brief #22:“Doing the Math” – Outpatient Health Insurance in Tanzania

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Outpatient Health Insurance in Tanzania, the MILK project’s Client MATH team explores the value that Tanzania’s KNCU Health Plan offers its clients. The KNCU Health Plan is a collaborative effort of the multi-national microinsurance intermediary MicroEnsure, the Dutch NGO PharmAccess, and the Kilimanjaro Native Cooperative Union.

Microfund for Women’s Caregiver Experience: Lessons from Jordan on Health Microinsurance

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In 2010, Jordan’s Microfund for Women (MFW) piloted “Caregiver,” the country’s first private health microinsurance offering, in partnership with Women’s World Banking (WWB). The Caregiver product has succeeded beyond expectations despite numerous obstacles. Research has shown that healthcare costs often exert the most financial pressure on poor families.

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