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Foyers de ce les derniers bulletin principalement sur la technologie. ' ; Technologie pour le microinsurance' ; tentatives de cataloguer et illustrer des technologies existantes, et ' ; Microcare et technology' efficace ; regarde les expériences de Microcare avec la technologie.

As the largest democracy in the world, India is still striving to extend basic human rights, including social protection, to all its citizens. However, a growing perception of the necessity to extend social protection to all excluded groups has recently been observed in India, together with a wider commitment to actively contribute to this extension through various strategies, including the promotion on new micro insurance schemes. As a direct result, numerous actors of the civil society (community based organisations, women's groups, informal economy trade unions, NGOs, micro finance institutions, etc.) have already designed and set up in-house tailor-made micro insurance schemes, to answer the priority needs and contributory capacity of their target groups. 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 the 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.
As the largest democracy in the world, India is still striving to extend basic human rights, including social protection, to all its citizens. However, a growing perception of the necessity to extend social protection to all excluded groups has recently been observed in India, together with a wider commitment to actively contribute to this extension through various strategies, including the promotion on new micro insurance schemes. As a direct result, numerous actors of the civil society (community based organisations, women's groups, informal economy trade unions, NGOs, micro finance institutions, etc.) have already designed and set up in-house tailor-made micro insurance schemes, to answer the priority needs and contributory capacity of their target groups. 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 the 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.
As the largest democracy in the world, India is still striving to extend basic human rights, including social protection, to all its citizens. However, a growing perception of the necessity to extend social protection to all excluded groups has recently been observed in India, together with a wider commitment to actively contribute to this extension through various strategies, including the promotion on new micro insurance schemes. As a direct result, numerous actors of the civil society (community based organisations, women's groups, informal economy trade unions, NGOs, micro finance institutions, etc.) have already designed and set up in-house tailor-made micro insurance schemes, to answer the priority needs and contributory capacity of their target groups. 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 the 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.
As the largest democracy in the world, India is still striving to extend basic human rights, including social protection, to all its citizens. However, a growing perception of the necessity to extend social protection to all excluded groups has recently been observed in India, together with a wider commitment to actively contribute to this extension through various strategies, including the promotion on new micro insurance schemes. As a direct result, numerous actors of the civil society (community based organisations, women's groups, informal economy trade unions, NGOs, micro finance institutions, etc.) have already designed and set up in-house tailor-made micro insurance schemes, to answer the priority needs and contributory capacity of their target groups. 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 the 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.
Microinsurance, an instrument with enormous potential, lessons learned and recommendations for donors, CIC Kenya: experience with post-crisis insurance.
The firat of the series. Covering news and current events in microinsurance
This paper presents the Facility's research strategy. The research strategy has been developed in a participatory process involving various microinsurance industry stakeholders. This resulted in an inclusive research agenda satisfying different needs and perspectives.
Today, seven organizations including leading players in the micro-insurance industry launched the Micro-insurance Data and Workflow Standardization (MDWS) Consortium to explore the benefits of establishing a new XBRL-based taxonomy and information hub designed to streamline and standardize information exchange in the micro-insurance industry. The goal of the MDWS Consortium is to reduce the cost of providing insurance to poor communities around the world. Participants of the consortium include Gradatim IT Ventures, IBEX Project Services, Micro Insurance Academy (MIA), Micro Insurance Agency Holdings, LLC, Microcare Insurance Ltd, SourceTrace Systems (STS), Sun Microsystems Inc, and UBmatrix, the leading provider of XBRL information exchange solutions.

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.

President William Jefferson Clinton announced the launch of LeapFrog Investments. It is the world's first investment firm to focus on the insurance needs of low-income people. It is also the largest microinsurance initiative in the world, by several multiples.
Algunos consideran que el microseguro conforma un mecanismo de administración de riesgos que los sectores pobres pueden utilizar para compensar la falta de provisión por parte del Estado de programas de protección social adecuados. Alternativamente, otros lo perciben como una oportunidad para brindar servicios fi nancieros para el mercado de bajos ingresos, logrando así utilidades.1 Independientemente de dónde se ponga el énfasis, todo programa de microseguros apuntar a ser viable debido a que el donante o los subsidios ofi ciales son sólo provisorios o no se encuentran disponibles. Sin subsidios, todo programa queda sujeto a las mismas fuerzas económicas y de mercado por igual, como ocurre con emprendimientos comerciales normales, y ello torna necesario que deban ser administrados de una manera profesional. Los objetivos de administración, sin embargo, no pueden lograrse sin un monitoreo permanente, y la realización de mediciones de desempeño transparentes.
Welcome to the first edition of Micro Insurance Voices: the Micro Insurance Academy's (MIA) quarterly newsletter. Within just one year, the MIA, a Delhi-based charitable trust, has grown into a leading contributor to the field of microinsurance in training, research and advisory services. Our core principles of Subsidiarity, Solidarity & Mutuality, and Sustainability ensure that community-based and community-led microinsurance units will be able to flourish, independent from external support or external conflicting interests. People matter! None of our work would be possible without the hard work of our staff. Our team is recruited locally and largely comprised of talent born and educated here in India.
Largement méconnue, non seulement du grand public mais également de nombre d'assureurs eux-mêmes, la microassurance reste encore souvent confondue avec un simple complément du micro-crédit. Du moins en France, car dans nombre de pays en développement (émergents, à revenus intermédiaires, ou moins avancés), cette situation est en train d'évoluer, la microassurance devenant un champ à part entière avec comme résultat la construction d'assurances populaires. La microassurance en France n'est pourtant pas une vue de l'esprit, puisque deux programmes sont actuellement en cours, le premier par le pionnier. Malgré des résultats qualitatifs intéressants, les résultats quantitatifs de ces deux programmes (moins de 1000 assurés) invitent à explorer de nouvelles voies, et à dépasser justement l'idée que la microassurance ne doit concerner que les seuls micro-entrepreneurs issus du RMI ou du chômage. Un examen des évolutions sociétales contemporaines et des vulnérabilités issues de nos sociétés postindustrielles est donc nécessaire, et devrait conduire à une innovation sur toute la chaîne de valeur de l'assurance, tant la vulnérabilité est souvent une source majeure d'innovation, comme nous avons pu déjà le remarquer dans la cadre de la microassurance des pays du Sud. Ces nouvelles voies de la microassurance en France doivent s'inscrire dans une géographie physique et humaine bouleversée, et participer à la construction de nouvelles mutualités. Dans cet esprit, quelques pistes sont évoquées dans cet article.

Microinsurance is the provision of insurance services to low-income people, who typically do not have access to insurance or to adequate social security services. Microinsurance is receiving increasing attention from donors as an effective strategy for helping the poor to cope with risks, reduce vulnerability, and build their asset base. This Note offers operational guidelines for donors as they construct a road map for entering or for getting more deeply involved in the sector. It recognizes that donors have different approaches in working with the sector—some more hands-on than others—and thus, it offers a broad framework that can be applied as needed. Donors include bi-lateral and multi-lateral agencies, regional development banks, development finance institutions, social investors, and foundations. A handful of donors have been at the forefront of microinsurance, implementing programs, documenting lessons, and developing tools for more effective donor involvement.

Visiones del futuro del microinsurance, de la gestión de desastres natural en el contexto urbano, de Fonkoze y de A.I.C (Haití).
Facilidad de la innovación de Microinsurance, indicadores de funcionamiento del microinsurance.
This report is a summery of the Microinsurance Conference 2007 held in mumbai, India, jointly hosted by the CGAP Working Group on Microinsurance, the Munich Re Foundation and the Insurance Regulatory and Development Authority (IRDA) with the support of GZT and the World Bank.

Quote of the Day

"So, let's get beyond the false dichotomy of either helping clients OR maximizing products. Let's get beyond policies and premium, addressing customer's actual needs and finding ways to make them happy about paying us for our assistance." - Paul Carroll

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