This final Microinsurance in Focus Note has been written by Ellis Wohlner and concludes the series with reminding us that microinsurance is at the end of the day about providing real value to the poor.

The mutual model embodies the social and commercial dimensions of microinsurance. Microinsurance institutions are often either mutuals themselves or are linked to a network of cooperatives. A mutual is a company or association that is owned and governed by its members. Policyholders share in the returns and possibly the risks of the scheme. The main difference between a mutual and a cooperative is that a mutual must be owned by its customers, whereas a cooperative may be owned by other cooperatives (second tier organizations) that are not necessarily its customers.

The African Farm Radio Research Initiative (AFRRI) is a new project whose purpose is to gather, implement, evaluate and share best practices for using radio-based communication strategies to enhance food security in rural Africa, specifically in Mali, Ghana, Malawi, Uganda and Tanzania. It will also offer capacity-building and training services for radio broadcasters so they can improve their programming for rural listeners.

The insurance industry in Easter Africa is well developed. In 2006, the sector had a total of 83 insurance companies operating across the four countries, Kenya, Tanzania, Rwanda and Uganda. However, the sector is only serving a minute 1.6% of the total population. That means that the livelihoods of over 98% of the population in Eastern Africa is exposed to the many risks inherent in life, many of which are insurable. As is common, the poor are the most exposed. Our new report 'Microinsurance in Eastern Africa' presents the findings of a rapid survey commissioned by the Swedish Cooperative Centre (SCC) and Vi Agroforestry (Vi AFP) on the provision of insurance services to the poor (referred to as microinsurance) in Kenya, Uganda, Tanzania and Rwanda. The purpose of the survey was to review the status of the microinsurance sector in the four countries from the supply side with a view to identifying initiatives shaping developments in the sector; existing gaps and opportunities requiring intervention; and main players in the sector whom SCC-Vi can partner up with in theirdevelopment agenda in microinsurance. The survey established that although microinsuranceis a relatively new field, the sector is already making significant progress in addressing the insurance needs of the poor.

Claims are the most important aspect of insurance since their settlement is when the insurers can fulfill their promises and prove to the insured that they are trustworthy. Without efficient and effective claims processing, it will be impossible to offer affordable real value products to low-income households.

Governments can play various roles in creating an environment that encourages equitable access to insurance. Some middle and high income governments equate insurance to social protection and provide it by way of, for example, mandatory and universal health insurance, or a requirement to be affiliated with an old-age pension scheme. However, in most developing countries less than 20% of the active population is usually included in regular social security systems due to fiscal constraints. Consequently, extending protection to under-served segments could be enhanced through the regulation of the insurance industry.

Microinsurance is growing in popularity among donors as one means of helping the poor manage risks and reduce their vulnerability. This Brief addresses how donors can effectively support microinsurance. The term donors” here refers to bilateral and multilateral agencies, regional development banks, foundations, socially responsible investors, and other organizations that fund microinsurance or design and manage microinsurance programmes. Governments in developing countries are often unable to provide adequate social protection for their poorer citizens. At the same time, formal insurers in many markets do not see low-income people as viable clients. However, there has been recent progress with some simple products, such as life insurance.

Service d'innovation de Microinsurance, indicateurs d'exécution dans le microinsurance.

Visions du futur du microinsurance, de gestion des désastres normale dans le contexte urbain, de Fonkoze et d'A.I.C (Haïti).

Low-income households could potentially become an exciting and modestly profitable new niche for commercial insurers. However, the poor represent a unique target market that requires a different approach. This note highlights ten key issues that insurers should consider in order to provide viable microinsurance that offers value for the clients.

Microinsurance is growing in popularity among donors as one means of helping the poor manage risks and reduce their vulnerability. This Brief addresses how donors can effectively support microinsurance. The term donors” here refers to bilateral and multilateral agencies, regional development banks, foundations, socially responsible investors, and other organizations that fund microinsurance or design and manage microinsurance programmes. Governments in developing countries are often unable to provide adequate social protection for their poorer citizens. At the same time, formal insurers in many markets do not see low-income people as viable clients. However, there has been recent progress with some simple products, such as life insurance.

Visions of the future of microinsurance, natural disaster management in the urban context, Fonkoze and A.I.C (Haiti).

Microinsurance Innovation Facility, performance indicators in microinsurance.

Este compendio de autoridad reúne las ideas más recientes de destacados académicos, actuarios y profesionales del seguro y del desarrollo en el campo de los microseguros. El resultado es un recurso práctico, de amplio alcance que ofrece el panorama más exhaustivo del tema hasta la fecha. El libro permite a los lectores a beneficiarse de las valiosas lecciones aprendidas de un proyecto puesto en marcha por la Red de Microseguros análisis de operaciones en todo el mundo. Lectura imprescindible para los profesionales de seguros, profesionales y cualquier persona involucrada con el seguro que ofrece a las personas de bajos ingresos, este volumen reúne los muchos aspectos de los microseguros en detalle, incluyendo el diseño de productos, comercialización, cobro de la prima y la gobernabilidad. También se analizan los diversos arreglos institucionales disponibles para la entrega, como el enfoque basado en la comunidad, las compañías de seguros propiedad de redes de cooperativas de ahorro y crédito y las microfinanzas institutions.The roles de los actores clave también se exploran y el libro ofrece estrategias profundas para lograr el derecho equilibrio entre la cobertura, costos y precios.

Este compêndio oficial reúne as últimas novidades de acadêmicos, atuários, e os profissionais de seguros e de desenvolvimento no domínio do microsseguro. O resultado é um recurso prático e abrangente que fornece a visão mais aprofundada do assunto até hoje. O livro permite aos leitores beneficiar das valiosas lições aprendidas a partir de um projecto lançado pela Rede Microsseguros analisar operações em todo o mundo. Leitura essencial para profissionais de seguros, profissionais e qualquer pessoa envolvida com o seguro que oferece às pessoas de baixa renda, este volume abrange os diversos aspectos do microsseguro em detalhe, incluindo design de produto, marketing, cobrança de prêmio e de governança. Ele também discute os vários arranjos institucionais disponíveis para entrega, como a abordagem baseada na comunidade, empresas de seguros pertencentes a redes de poupança e cooperativas de crédito e microcrédito institutions.The papéis dos principais intervenientes são também explorados eo livro oferece estratégias criteriosas para a realização do direito equilíbrio entre a cobertura, custos e preços.

Artículos Dominantes: la 'política importa'................................1 un proceso común del desarrollo....................................... 2 de la capacidad la experiencia de Zurich Bolivia......... Info seleccionado 3......................................4 noticia del grupo de funcionamiento.............5

Ce guide rassemble les éléments d'analyse et de réflexion les plus récents apportés par des universitaires, des actuaires de premier plan et des professionnels de l'assurance et du développement et constitue une référence dans le domaine de la micro-assurance. Il offre une documentation pratique et variée, présentant la vue d'ensemble la plus complète à ce jour sur ce dossier. Cet ouvrage permet aux lecteurs de profiter des précieux enseignements tirés d'un projet initié par le Groupe de travail du Microinsurance Network sur la micro-assurance pour analyser les opérations de micro-assurance dans le monde entier. S'adressant aux professionnels de l'assurance, aux praticiens et à toute personne impliquée dans l'offre d'assurance aux ménages à faible revenu, il couvre de manière détaillée les nombreux aspects de la micro-assurance, y compris ceux de la conception des produits, du marketing, de l'encaissement et de la gestion des primes. Il aborde également les différents dispositifs institutionnels existants qui permettent la distribution des produits: par exemple, l'approche basée sur la communauté, les compagnies d'assurance détenues par des réseaux d'épargne, les coopératives de crédit et les institutions de microfinance. Le rôle de chacun de ces acteur clés est aussi étudié et l'ouvrage offre des stratégies efficaces visant à obtenir un bon équilibre entre assurance, coûts et prix.

Theme 4 - Group versus Individual Insurance

This installment focuses on how to balance the three competing intrest to make a microinsurance scheme sustainable, coverage, cost and affordability.

Marco jurídico para los mutuals en WAEMU, gestión de desastres en la India, microinsurance de Anidaso.