MILK Brief #12 - Doing the Math in Karnataka, India

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This study investigates the financial value of a health microinsurance product offered to clients of the microfinance institution Grameen Koota in India. Families that recently suffered one of several similar illnesses resulting in hospitalisation were interviewed, and the study found that insured respondents had substantially lower direct hospital expenditures than uninsured patients. However, the relative benefit of the insurance becomes less apparent when other associated costs are taken into account, including indirect expenses and in particular, opportunity costs.

Microinsurance in Uganda: Tectonic Shift In The Near Future?

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This note analyses the possible impact of regulatory and political changes on the microinsurance sector, and predicts the state of the sector in Uganda in near future. The predictions are based on the assumption that the Insurance Regulatory Authority (IRA) will be a strong regulator and national policies will be sincerely and effectively implemented. Though it is still speculative to pre-empt the market, the authors believe that conventional insurers, as well as microfinance players will soon be able to realise the strategic potential of microinsurance in their portfolio.

Microinsurance in Pakistan: A Diagnostic Study on Demand and Supply

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The study is a country diagnostic of the microinsurance landscape in Pakistan. It identifies the demand for and provision of microinsurance services in Pakistan, analyses the gaps, identifies best practices, methods and guidelines in microinsurance, and develops a comprehensive regulatory framework that would safeguard the interests of all stakeholders.

Lutte Contre l’insécurité Alimentaire au Niger: Une Solution par la Micro Assurance Agricole

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Le Niger a été confronté à deux crises alimentaires (2005 et 2010) en cinq ans. Les solutions (aides extérieure, distributions gratuite et vente à prix modérés des céréales) préconisées par les autorités sont ponctuelles et ne permettent pas de prévenir les effets d’éventuelles crises. A travers cette analyse essaye d’analyser la possibilité du développement d’un produit de micro assurance agricole à l’intention des populations.

Kenya’s engagement with the standard setting bodies and the implications for financial inclusion

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This case study highlights the experience of Kenya in implementing international standards in the financial sector and the interaction, where relevant, with the topic of financial inclusion – a topic that is of particular relevance to Kenya. It draws on a questionnaire completed by the relevant regulatory authorities, coordinated by the Central Bank of Kenya (CBK), as well as meetings with each relevant regulatory authority.

International Microinsurance Conference: Learning Sessions Ghana

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The 'International Microinsurance Conference--Learning Session Ghana' was held from 22 to 23 May, 2012 in Accra with the aim of further promoting microinsurance in Ghana. The report at hand summarises the key issues and messages which emerged from the discussions at the conference. It is structured along the six thematic learning sessions presented during the conference: (1) Regulation, (2) Managing Information, (3) Pricing and the Development of Actuarial Capacity, (4) Research and Development, (5) Distribution Channels, and (6) Innovation and Technology.

Disaster Microinsurance for Pro-Poor Risk Management: Evidence from South Asia

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This paper offers a large empirical cross-country assessment of the impact of disaster microinsurance in the South Asia region capitalising on the prevalence of disaster-prone communities, many of which are mixes of both households with and without disaster microinsurance. Overall, the results of this study show that there is interest in and willingness to pay for disaster microinsurance programmes. The products are reaching poor clients, many who are below the poverty line, highly in debt, and employ limited and difficult coping mechanisms after disasters.

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