Microinsurance: Issues, challenges and policy reforms: A Kenyan perspective

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This presentation describes the insurance industry in Kenya, including the regulatory environment for microinsurance, the regulatory issues affecting microinsurance, and the way for the microinsurance business which includes developing a national insurance policy on microinsurance, reviewing the current regulatory framework to recognize microinsurance and several others.

Market feasibility study: Microinsurance in the republic of Moldova

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The purpose of the present study was to assess the feasibility of introducing microinsurance in Moldova. To address this key question, an understanding of both the supply side (current insurance market) and the demand side (risks faced by low-income persons and the coping strategies used to manage these risks) was necessary. The majority of the primary research was conducted on-site in Moldova, in Chisinau and its environs, during the month of March 2009.

Informal insurance: a regulator’s perspective

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Access to insurance may be an important strategy for reducing poverty. Financial markets, and particularly insurance services, can help poor people manage critical risks such as a death in the family, illness or loss of income or property. Despite the growing importance and expansion of microinsurance services geared to low-income people, microinsurance penetration remains limited, leaving the vast majority of poor people without adequate protection. Evidence from a range of countries shows that much of microinsurance is provided in an informal and unregulated way.

Health microinsurance schemes: Diversity, innovation and trends. A national review 2009

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The objective of the present report is to provide an across-the-country review of the various on-going health micro-insurance schemes targeting the disadvantaged groups of Indian society. To this day, there are only a few fully documented initiatives all over the world. India may become a new reference with the present work reviewing 100 on-going health micro-insurance schemes spread all over the country.

Financing disaster management in India: Possible innovations

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This paper analyses the current funding mechanism to finance disaster management in India. It looks at the drawbacks of the current system which is more focused on ex-post strategies. The paper then looks at possible ex-ante strategies that can strengthen the current mechanism, and provides relevant examples of other countries using such instruments. It also highlights the importance of a domestic insurance market, challenges of domestic insurance markets and makes suggestions on the possible features of a domestic insurance market that can be created in India.

ENSO business interruption index insurance for catastrophic flooding in Piura, Peru

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This concept note describes an innovative risk transfer product being introduced by La Positiva (a Peruvian insurance company). The three core sections of this concept note review the following: 1. The catastrophic weather risks in Piura associated with extreme sea surface temperatures 2. A description of the ENSO Business Interruption Index Insurance (EBIII)1 3. How lenders in Piura can use this insurance as a business interruption insurance leading to increased access and use of credit by smallholders

Enabling policies for microinsurance market development in Africa

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The presentation focuses on what policies will enable the microinsurance market to develop in Africa by using Kenya and Nigeria as an example. These policies include, but are not limited to, ensuring stability and integrity of the market, encouraging innovation and competition, ensuring fair treatment of consumers, promoting financial inclusion and reducing regulatory costs and barriers. The presentation also outlines payment system issues as well as critical regulatory costs.

Zurich Bolivia: Demonstrating key microinsurance success factors, in Microinsurance: An innovative tool for risk and disaster management

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The scope of the book is both to investigate the linkage between disaster risk reduction and microinsurance and to address possible combinations of loans, savings and insurance schemes for low-income people to provide them with appropriate solutions for at least a partial risk reduction. The book provides an overview on the status and strategies of implementation in various risk sectors (life, health and natural disaster risks), highlighting existing methods, best practices and specific case studies of microinsurance programmes and initiatives.

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