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Esta edición de la Trilogía de Microseguros presenta dos iniciativas focalizadas en distintas áreas de la gestión del conocimiento: El Fondo para la Innovación en Microseguros de la OIT y el proyecto MILK (Conocimiento y Aprendizaje de Microseguros), ambas iniciativas financiadas por la Fundación de Bill y Melinda Gates.

Mientras que el Fondo para la Innovación en Microseguros enfoca el tema del conocimiento a través de las lecciones aprendidas de sus becarios y de sus actividades de investigación, el proyecto MILK lo enfoca a través de estudios en profundidad de modelos de negocios relacionados con los microseguros, con participantes clave de toda la cadena de valor, y a través de la investigación con clientes que buscan el valor agregado de los seguros sobre otras opciones de gestión de riesgo. Estos dos enfoques diferentes pero complementarios a la vez sobre la generación del conocimiento, brindarán una comprensión más clara respecto al tema de los microseguros.

Apresentação sobre as principais características de microseguros incluindo traços de produtos e canais de distribuição

Ce numéro de Trilogie de la Micro-assurance est consacré aux Partenariats Public-Privé (PPP) en micro-assurance. L’article principal revient sur les sujets abordés dans le cadre d’une discussion de trois jours organisée sur LinkedIn et en présente les conclusions. Gaby Ramm, modératrice de la discussion, est l’auteur de l’article.

L’article suivant présente brièvement l’étude intitulée “Commercial Insurers in Microinsurance“, produit à la demande du Microinsurance Network et qui examine le rôle des assureurs commerciaux dans la micro-assurance, leurs objectifs et leurs motivations.

The focus of this spring edition of the Microinsurance Trilogy is Public Private Partnership (PPP) in microinsurance. The main article examines the outcomes and discussion points of a three day discussion that took place on LinkedIn and was facilitated by Gaby Ramm, who authored the below article.

The following article provides a small insight into the paper “Commercial Insurers in Microinsurance“, which was commissioned by the Microinsurance Network. This paper examines the role commercial insurers’ play in microinsurance in order to understand their objectives and motivations.

El énfasis de esta edición de primavera de la Trilogía de Microseguros es la Alianza entre el sector Público y Privado (PPP, en inglés) en los microseguros. El artículo principal examina los resultados y los puntos de debate de una discusión de tres días que tuvo lugar en Linkedln, que fue facilitada por Gaby Ramm, quien es autora del artículo presentado más abajo.

El artículo que sigue a continuación brinda una breve opinión del documento “Commercial Insurers in Microinsurance”, que fue comisionado por Microinsurance Network. Este documento examina el rol comercial que las aseguradoras desempeñan en los microseguros para comprender sus objetivos y sus motivaciones.

A brief discussion on growth expectations for microinsurance.

A brief discussion of ways to more effectively dissminated information on lessons learned in microinsurance.

Emergencies can derail families and prevent them from getting ahead. This study describes the design, implementation, and results of a pilot emergency (hand”) loan product in India. The product achieved its original intent, but the pilot encountered considerable institutional and execution challenges. The experience generated lessons for future product innovation.

Throughout 2009, concluding with the Copenhagen world climate summit, one issue frequently debated was whether microinsurance is a viable means of adapting to the impacts of climate change. Microinsurance can be used to deal with weather and climate risks but the solutions have to be precisely geared to often very speci c local or regional needs. Success depends on careful application of underwriting techniques and management tools.

The path of a migrant is generally a risky one. Crossing borders, often illegally; leaving loved ones behind; trusting new people along the way; earning uncertain income. All these activities involve risk. Once migrants reach their destination, they face a new set of risks: learning languages and new cultural norms; seeking out employment in new environments; finding living arrangements.  The task of finding a home alone can be an enormous challenge, where rents are costly and often require documentation or credit histories that migrants do not have. As a result, migrants often live in cramped conditions, facing health and safety risks associated with these living conditions.

Once migrants find employment, the possibility of losing a job or being injured while working, add to risks.

 

This edition of the Microinsurance Trilogy focuses on the 6th International Microinsurance Conference in the Philippines and on the issues paper on the regulation and supervision of mutuals, cooperatives and other community-based organisations, which has been prepared by the IAIS-Microinsurance Network Joint Working Group. The paper is directed at the wide range of forms, names, and functions of these organisations. The case study of CARD MBA’s experience in the Philippines illustrates how their internal structural
changes facilitated the formalisation of the organisation’s microinsurance activities.

Esta edición de la trilogía de Microseguros se centra en la 6ª Conferencia Internacional de Microseguros en las Filipinas y en el documento de regulación y supervisión de mutuales, cooperativas y otros tipos de organizaciones comunitarias que ha sido preparado por el Grupo de trabajo Conjunto, IAIS - Microinsurance Network. El documento se centra en la amplia variedad de formas, nombres y funciones de estas organizaciones. El estudio de caso de la experiencia de CARD MBA en las Filipinas ilustra cómo el cambio en su estructura interna facilitó la formalización de las actividades de microseguros de la organización.

Ce numéro de la Trilogie de la Micro-Assurance met l’accent sur la 6ème Conférence Internationale de Micro-Assurance aux Philippines et sur le document de travail consacré à la régulation et la supervision des mutuelles, coopératives et autres organisations communautaires préparé par le groupe de travail conjoint IAIS-Microinsurance Network. Ce exte s’intéresse aux nombreuses formes, noms et fonctions de ces organisations. L’étude de cas consacrée à CARD MBA (Philippines) montre comment les changements de structure interne ont facilité la formalisation des activités de micro-assurance de cette organisation.

This edition of the Microinsurance Trilogy will focus on the work carried out by the Microinsurance Network's Insurance Education Working Group. The importance of insurance education for the promotion of microinsurance has been recognised as one of the main challenges the sector needs to address.

This newsletter will provide an insight into the field of insurance education by presenting the main findings of two recently released publications. The Landscape Study of Microinsurance Education will examine the main challenges insurance educators face and a case study of the insurance education programme of CARE-India will look into the lessons learnt.

Esta edición de la Trilogía de los Microseguros se enfocará en la tarea llevada a cabo por el Grupo de trabajo de Educación sobre seguros del Microinsurance Network. La importancia de la educación sobre seguros para la promoción de los microseguros ha sido reconocida como uno de los principales desafíos que el sector necesita enfrentar.

Este boletín brindará una guía en el ámbito de la educación sobre seguros al presentar los principales hallazgos de dos publicaciones hechas públicas recientemente. El Landscape Study of Microinsurance Education” examinará los desafíos más importantes a los que se enfrentan los educadores en seguros y un estudio de caso del programa de educación sobre seguros de CARE-India mostrará las lecciones aprendidas.

Ce numéro de Trilogie de la Micro-assurance s'intéresse aux travaux que mène le Groupe de travail Education à l'assurance du Microinsurance Network. Le rôle de l'éducation à l'assurance dans la promotion de la micro-assurance est aujourd'hui reconnu et constitue l'un des défis que le secteur doit relever. Cette newsletter entend montrer les activités en cours dans le domaine en présentant les principaux résultats de deux projets qui viennent de faire l'objet d'une publication.

La première étude ' A Landscape Study of Microinsurance Education ' aborde les grands défis auxquels sont confrontés les éducateurs en assurance. La seconde est une étude de cas et porte sur le programme d'éducation à l'assurance développé par CARE-Inde et les leçons à tirer de cette expérience.

This paper presents the ndings from a qualitative-explorative longitudinal impact assessment of an enhanced credit life microinsurance pilot in Indonesia. Di erent from the practical or econometric-quantitative approaches of the few microinsurance impact assessments available today, the approach applied here is sociological. Emphasis is put on contextualization. A variety of research components were executed: a baseline/endline survey of customers, interviews with 24 Muslim bene ciaries and additional research with loan ocers, credit group leaders, experts, and MFI managers. Despite a number of methodological constraints which preempt absolute data accuracy, the breadth of available data nonetheless allows for indicative conclusions. This impact assessment identi es microinsurance as an agent of social change and highlights the complex interplay of the actual product with its respective sociocultural context in producing impact. It turns out that the social impact of the surveyed product which waives the loan balance and provides substantial additional payouts upon death of a micro-borrower, was literally micro'. For reasons of religion and tradition, most additional payouts were used for social investments. Payouts appear to substitute some of the traditional, informal, post-mortem family assistance (crowding out). To some extent, the insurance payouts also seem to have contributed to an in ation of funeral costs. Dependence on informal assistance was reduced leading to a potential erosion of equality-focused social cohesion. Positive impacts were found in the form of an increase in nancial literacy. Also peace of mind of the insured increased. However, some of those insured felt less secure for reasons of religion and superstition. Customer satisfaction was nonetheless high. The insured voiced a strong demand for more urgent risk management challenges such as education and health costs.

Quote of the Day

"Regulations are way behind the reality" - Reto Schnarwiler | Head Americas and EMEA Global Partnerships, Swiss Re

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