MILK Brief #10 - Doing the Math - Property Insurance in Ghana

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In January 2012 the MILK Project designed a Client Math study in partnership with MicroEnsure-Ghana and Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ). The study is centred on the role of the insurance coverage in how insured entrepreneurs coped with this shock, and thus explores the value of this type of coverage. The MILK’s Client Math methodology is implemented to better understand the financial tools available to and used by those with and without insurance, and to conduct a quantitative assessment of the plausible gains of having insurance.

Microinsurance Product Types in India

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This note analyses the characteristics and uniqueness of the different microinsurance product types with their effectiveness in delivering insurance services to the bottom of the pyramid in India. Although officially there are 23 registered microinsurance products filed by 15 insurance companies, there are a host of registered and non-registered microinsurance products in India.

Microinsurance product development for microfinance providers

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This document is intended to aid delivery channels, microfinance providers in particular, in working with insurance companies to develop successful microinsurance products for the low-income market. A systematic new-product development process is crucial to the success of microinsurance products. The process outlined in this manual will help microinsurance developers create successful microinsurance products. ‘Success’ means meeting the needs of the three major parties in the microinsurance relationship: low-income policyholders, the insurer and delivery channels.

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.

Microinsurance in India: The Evolution of Market Trends

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After half a decade of microinsurance regulation in India, there are some clear trends emerging in the way microinsurance business is conducted. The note analyses these trends with decade long comparative data on microinsurance products and their performance. The reasons for the emerging trends are identified and possible future trends are also projected.

Microinsurance in India is now a macro business

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Microinsurance has become a macro business for insurers and service providers, and poverty reduction is not only the interest of governments anymore. Private sector has taken it as an opportunity for business growth rather than a corporate social responsibility. As the microinsurance sector in India is well regulated, there is a huge opportunity for insurers and risk carriers to enter into the microinsurance market and serve the 90% of the population that are still excluded.

Microinsurance in Fiji: An evaluation of demand for insurance

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As of 2010, the Reserve Bank of Fiji reports that only 88,085 life insurance policies were in force covering an estimated 9% of the population. Non-life insurance products such as personal accident insurance, health, and motor vehicle insurance only covered a small fraction of the population. This leaves approximately 800,000 uninsured Fijians vulnerable to unexpected financial expenditures related to deaths, health emergencies, and crop failures.

Microinsurance in Brazil, Colombia, Mexico, and Peru

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The microinsurance market in Latin America is still in its embryonic phase. The purpose of this technical note is to better inform donors, national governments, and insurance companies interested in promoting financial inclusion about how they can accelerate the development of microinsurance markets. Four countries -Brazil, Colombia, Mexico, and Peru- are reviewed to glean lessons learned about paths taken to develop these markets and the interaction of key stakeholders.

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