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"
“Microinsurance comes from the heart, but it is a business and not a charity.”
"
- Alvaro Uribe
President of Colombia
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Literary Review on Microinsurance |
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Download Document
(file size:
194.70 KB) |
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This literature review provides an overview of the current state of research on
microinsurance, identifies key knowledge gaps and develops a conceptual framework to
inform and organize the research agenda of the Microinsurance Facility in the area of
impact evaluation, demand and supply issues. For the purpose of this review,
microinsurance is defined in line with Churchill (2006) as an insurance that (i) operates
by risk-pooling (ii) is financed through regular premiums and is (iii) tailored to the poor
who would otherwise not be able to take out insurance. The main focus of the literature
review is on voluntary insurance1. Other ways through which individuals or the public
sector can insure against risks, such as precautionary savings, access to credit or through
public safety nets are therefore not treated in detail in this review. However, this leads
already to one key omission in the existing literature: generally, the benefits of
microinsurance are not compared to alternative mechanisms that may provide insurancelike
benefits, possibly in a more cost-effective way, such as microsavings, consumer or
emergency credit, and public safety nets. |
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10 2008 |
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Stefan Dercon et al
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