New Book: Promoting microinsurance in Ghana

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In Ghana microinsurance has seen rapid growth over the past few years as more and more insurance providers have expanded their services to the low-income market. This book, jointly published by the National Insurance Commission (NIC) and the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH, provides a broad overview of inclusive insurance market development in Ghana.

MILK Brief #21- Colombian Life Microinsurance: An emerging success story

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An emerging success story, provides an overview of MILK’s business case work in Colombia, focusing on the experience of the insurer MAPFRE, which reflects these trends with significant growth in its Colombia-based life microinsurance business, but has also enjoyed a privileged position in Colombian microinsurance market, a position which may be changing. Life microinsurance in Colombia has been a growing and profitable business, contributing materially to both the top and bottom line of companies engaged in the sector.

MILK Brief #19: Microinsurance-only multinational intermediaries: The early years

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The MILK Project, which is a three-year initiative of the MicroInsurance Centre, has been designed to help answer the following two questions: Do low-income families really benefit from microinsurance? Is it true that there is a business case for microinsurance? The current paper looks specifically at whether there is a business case for microinsurance intermediation. The MILK project explores this by studying the commercial viability of three microinsurance-only multinational intermediaries: MicroEnsure, PlanetGuarantee, and AKAM.

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.

Maybe Payung Keluarga case study from Indonesia

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In October 2012, six years after its launch as a pilot product in Indonesia, Payung Keluarga reached the mark of one million active insured. Payung Keluarga, which means Family Umbrella in Indonesian, is a credit life product that Allianz Life Indonesia has designed to fulfill the needs of micro borrowers who take loans from Microfinance Institutions (MFI). The aim of this case study is to highlight the driving factors behind PK’s success, and also to draw lessons that Allianz Indonesia has learned along the way. In Indonesia, there are more than 50,000 MFIs.

Insuring the Uninsurable for Poverty Alleviation in Nigeria: What Microinsurance can do?

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In Nigeria there is low insurance patronage and the vast majority of citizens are exposed to various types of risks. The resulting effects are poverty, economic insecurity, insurgency, and social vices. Microinsurance is considered as one of the most effective means of reducing the vulnerability of the poor from the impacts of disease, theft, violence, disability, fire and other hazards.

Financial Access Survey 2012: Getting to a More Comprehensive Picture

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IFC and CGAP released ‘Financial Access 2012: Getting to a More Comprehensive Picture’, which assesses the state of global financial inclusion. The report is based on data from the International Monetary Fund's Financial Access Survey, a survey of financial regulators in 187 jurisdictions that covers deposits, loans, and insurance by households and enterprises. For the first time, the 2012 edition of the report includes an overview of access to finance by small and medium enterprises (SMEs).

Distribution and Technology in Microinsurance

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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.

Case Brief: IFFCO-Tokio General Insurance Co.

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About 1 billion people, around 70 per cent of the world’s population living in extreme poverty, depend on livestock for their livelihood. Small farmers in India generate nearly half of their income from livestock and the value of cattle represents a significant part of their wealth, so the death of cattle poses a significant risk and affects farmers’ net worth and income. Yet efforts to provide livestock insurance in India have struggled because of high claims ratios, with public insurers frequently experiencing claims ratios of 150 to 350 per cent.

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