VimoSEWA India

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This case study focuses on the evolution of VimoSEWA since the development of the business plan. Following the earthquake, the number of insured increased dramatically from 30,000 to 92,000. The business plan assumed that VimoSEWA had found an effective means of reaching members and could scale up to 300,000 insured within 7 years to reach viability. By January 2005, however, membership was below targets and viability remained 7 years away, with low renewal rates as the principal cause.

TATA-AIG Life Insurance Company Ltd. India

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This paper provides a broad overview of how the microinsurance programme at Tata-AIG emerged and how it operates. It places particular focus on the micro-agent. Because of the low value of microinsurance premiums, low cost distribution is critical in microinsurance. In its micro-agent model, Tata-AIG has introduced a new and exciting distribution methodology to microinsurance in India. The scheme’s benefits and possible shortcomings are discussed in the paper.

MUSCCO Malawi Union of Savings and Credit Cooperatives

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Savings and Credit Cooperatives (SACCOs) were first promoted in Malawi by the Catholic Church and government in the 1970s to offer savings services to people who were not serviced by the commercial banks. Based on good savings records, members of the SACCOs were also offered short-term loans. Donors supported the development of this service and helped establish a national association, MUSCCO, in 1980, through which support to the SACCOs was channelled.

Microinsurance and Microfinance Institutions Evidence from India

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This paper looks at microinsurance from the perspective of microfinance institutions (MFIs), which are important microinsurance delivery channels. By reviewing the experiences of three Indian MFIs—SPANDANA in Andra Pradesh, and SHEPHERD and ASA in Tamil Nadu—it seeks to answer questions about what products to offer, and how to design and deliver them. Even though these organizations operate in similar environments, they have adopted very different approaches, which presumably make sense given their experiences, degree of maturity, and intentions.

Madison Insurance Zambia

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There are currently seven regulated private insurers in Zambia. Only two of these, Madison Insurance Zambia Limited and NICO Insurance, have reached the low-income market through partnerships with MFIs. This case study documents Madison’s experience in providing insurance to MFI clients through a partner-agent model. Madison’s involvement in microinsurance began in October 2000 through a partnership with PULSE Holdings Limited. Besides PULSE, Madison now works with three other prominent MFIs: FINCA Zambia, PRIDE Zambia and CETZAM Opportunity Microfinance Limited.

L’Union des Mutuelles de Santé de Guinée Forestière Guinea

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The Union des Mutuelles de Santé de Guinée Forestière (UMSGF) is an association of mutual health organizations (MHOs). It was established as part of a health insurance program initiated in 1999 by the International Centre for Development and Research (CIDR). Overall, the insurance sector in Guinea is underdeveloped and neither the target populations nor health care providers are particularly familiar with health insurance. This case study analyses the positive and negative aspects of the UMSGF.

Karuna Trust, Karnataka India

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Karuna Trust is an NGO that has been working successfully on health and development issues for nearly two decades. In 2002, Karuna Trust, in a partnership with the United Nations Development Programme (UNDP), decided to implement a pilot health insurance scheme for its target population. The non-governmental organization (NGO) collaborated with the state-owned National Insurance Company (NIC) in designing a health insurance product that complements the public healthcare infrastructure and compensates for some of its weaknesses. Karuna Trust acts as an agent for NIC.

Insurance in emerging markets: Focus on liability developments

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This study continues the series in which sigma focuses annually on emerging markets. It consists of two parts: the first part provides an overview of the current state of economic and insurance market developments in emerging markets- including latest performance, major trends and near-term outlook. The second part takes a closer look at the development and prospects of liability insurance in emerging markets.

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