Microinsurance Paper No. 20: Why People Do Not Buy Microinsurance and What We Can Do About It
This paper aims to help practitioners understand how various determinants affect demand. It blends academic findings with practical examples from the field and presents solutions that practitioners can implement to improve demand. Conducted as a partnership between the ILO’s Microinsurance Innovation Facility and the European Development Research Network (EUDN), it builds on the work of De Bock and Gelade (2012), who reviewed more than 30 quantitative and qualitative studies providing empirical evidence on the factors influencing demand for microinsurance.
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