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Ces dernières années néanmoins, un nombre croissant de programmes pilotes ont testé un outil innovant en matière de gestion du risque covariant dans le secteur agricole: l'assurance indicielle1. L'assurance basée sur un indice climatique est un produit financier lié à un indice présentant une forte corrélation avec les rendements locaux. Les indemnisations sont déclenchées par des tendances spécifiques de l'indice convenues, et non par les rendements effectifs, ce qui a pour conséquence de réduire le risque d'aléa moral et d'antisélection, tout en éliminant la nécessité de procéder à des évaluations sur le terrain. En outre, le produit d'assurance étant basé sur un indice vérifiable de façon indépendante, il peut également être réassuré, ce qui permet aux compagnies d'assurance de transférer efficacement une partie du risque aux marchés internationaux.
The Newsletter of the ILO's Microinsurance Innovation Facility

In light of the Copenhagen summit and the amount of coverage climate change is getting in the media, the Microinsurance Network thought it important to address this issue and present some of the material already written about the effects of climate change and microinsurance.

Microinsurance, as a tool for risk management for the poor, is a concept firmly anchored in the financial inclusion debate, and it should certainly stay this way. The impact of global warming will no doubt have a significant effect on microinsurance providers and clients, and the need to protect themselves against its perils is ever growing.

Après la tenue du Sommet de Copenhague et face à l'énorme intérêt des médias, le Microinsurance Network a décidé de traiter le sujet du changement climatique en présentant plusieurs articles consacrés aux conséquences du réchauffement planétaire et à la micro-assurance. La micro-assurance, en tant qu'outil de gestion des risques pour les populations

 pauvres, est au coeur du débat sur l'inclusion financière et doit garder cette place centrale. Les conséquences du réchauffement climatique affecteront sans doute les micro-assureurs et leurs clients, s'en protéger est-et continuera à être-une nécessité.

Debido a la importancia de la cumbre de Copenhague y al grado de cobertura que el tema del cambio climático está generando en los medios, el Microinsurance Network consideró importante enfocarse en este tema y presentar parte del material previamente escrito respecto a los efectos del cambio climático en relación a los microseguros.

Los microseguros, como instrumento de gestión de riesgo para los pobres, es un concepto firmemente posicionado en el debate de inclusión financiera, y ciertamente debe permanecer de esta forma. El impacto del calentamiento global generará, sin lugar a dudas, un efecto en los clientes y los proveedores de microseguros y en la necesidad que éstos tienen de protegerse a si mismos, siendo ésta una tendencia creciente.

This report is based on information collected in two districts of Nepal (Banke and Dhading) in early 2009 and concerns the launch of community-based micro health insurance units for members of Nirdhan and DEPROSC, two grassroots microfinance NGOs. The study entailed a household survey of 2,008 households, 40 focus group discussions (with potential beneficiaries), in addition to 51 key informant interviews with healthcare providers. The purpose of the study was to collect the data needed for designing and pricing an insurance plan. These data covered the socioeconomic status of the target population, incidence of illness and health-seeking behavior, cost of healthcare, and willingness to pay for health insurance.

Exploring the positives and negetives of offering Microinsuramce. The potential market for insurance in developing economies is estimated to be between 1.5 and 3 billion policies. There is significant demand for a range of insurance products from health and life, agricultural and property insurance, to catastrophe cover. • Besides profits, there are several other benefits for commercial insurers providing microinsurance: a larger and diversified risk pool, benefits to reputation, and market intelligence and innovation that can be applied to other business activities. • The success of microcredit worldwide has shown that people with low incomes are a proven market for financial services and are effective consumers if given appropriate products, processes, and knowledge. • Microinsurance already covers around 135 million people, or around 5% of the potential market. • Microinsurance is effective even in markets with little experience of insurance, as long as products, procedures and policies are simple, the premiums are low, the administration is efficient, and distribution channels are innovative. • The main suppliers of microinsurance are commercial insurers. Most international insurers and reinsurers are involved in microinsurance initiatives or offer products directly. At the same time, international organisations, donors, non-governmental organisations (NGOs) and governments are important facilitators. • Community-based and informal insurance schemes will prove valuable sources of innovation, but it is likely that, as communities develop, opportunities for regulated insurers with appropriate products and processes will increase and these insurers will become market leaders.

Addressing women-specific risks. Women face special health risks, such as those related to pregnancy and childbearing, those arising from greater vulnerability to diseases such as HIV/AIDS, and those related to longevity as women are more likely than men to outlive their spouse. These can be compounded due to their position in society: they are more vulnerable than men to domestic violence and often confront greater hardship if divorced. In their role as caregivers, women respond to the needs of dependents and income-earning activities are frequently made secondary to these responsibilities. Their informal sector activities are – more often than not – the only income opportunities for low-income women and also makes this segment more likely to fall victim to risks such as theft of assets and harassment by authorities. Addressing women as household risk and resource managers. Women play key roles in managing risk and resources for their families and are frequently their family's primary caregiver as mentioned above. As such, women are a natural target segment for insurance companies. These roles make women especially interested in strategies to manage and cope with risks (such as savings or microinsurance) because they are often responsible for dealing with urgent household shocks, such as the health care needs of children, losses to family income due to a spouse's ill-health or death, or ensuring the future of their children in the event of their own death.

The Landscape of Microinsurance in Africa (Briefing Note)

In various forms microinsurance has been available to some low-income people in Africa for a number of years. Cooperative Insurers have serviced a market that spans the income ranges since the 1970s. In the 1980s, community-based health insurance schemes, especially in West Africa, followed the Bamako Initiative. In the mid-1990s, commercial insurers began to enter the market offering specialized microinsurance products. Informal microinsurance has been available for decades in a range of forms, from tontines” in West Africa or friend in need” groups in East Africa to burial societies in South Africa. Over the last ten years insurance has developed into a widely recognized financial intervention to help Africa's low-income populations to manage their financial risks.

En Afrique, la micro-assurance est accessible à certains pans de la population à faibles revenus depuis de nombreuses années sous différentes formes. Les structures coopératives d'assurance servent un marché couvrant tous les niveaux de revenus depuis les années 1970. Au cours de la décennie suivante, des systèmes d'assurance santé communautaires sont nés dans le sillage de l'Initiative de Bamako, particulièrement en Afrique de l'Ouest. Au milieu des années 1990, les assureurs commerciaux ont commencé à investir le marché en offrant des produits de micro-assurance spécialisés. Quant à la micro-assurance informelle, elle existe depuis des décennies sous diverses formes, depuis les « tontines » d'Afrique de l'Ouest jusqu'aux sociétés funéraires d'Afrique du Sud, en passant par les groupes d'entraide (« friends in need ») ougandais. Au cours des dix dernières années, l'assurance a été reconnue comme un instrument financier capable d'aider les populations à faibles revenus à gérer leurs risques financiers.

Women comprise 70 percent of the world's poor. They earn less income than men and have less ownership and control of property. They face disproportionate levels of physical vulnerability and violence. When these vulnerabilities are combined with the responsibility of ensuring the welfare and security of their families, it is clear that women have a unique and pressing need for appropriate means to manage risk. Women tend to dominate in the roles of caregiver, homemaker, and increasingly as household resource managers and income earners, through formal employment or informal businesses. Inherent to these roles is the responsibility of coping with risks such as health problems, death in the family or emergencies. Unmanaged, any one of these risks can deliver serious and often devastating financial shocks to poor women and their households, potentially intensifying poverty, instability and vulnerability.

Cet article est basé sur le livre «Agricultural Microinsurance: Global Practices and Prospects», publié par le MicroInsurance Centre.

Este artículo se basa en el libro Microseguros para la Agricultura: Prospectos y Prácticas Globales, publicado por el Centro de Microseguros.

This article is based on the book Agricultural Microinsurance: Global Practices and Prospects, published by the MicroInsurance Centre.

This study considers the scope for, opportunities and challenges to microinsurance expansion in Zambia in order to develop a comprehensive information base that provides the basis for dialogue amongst the key stakeholder categories, including potential clients, providers, intermediaries, government and donor/multilateral agencies, and on which strategies for the development of microinsurance in Zambia can be based.

The aim of this report is to give decision makers a systematic way to answer questions based on the economics of adaptation.

The purpose of the present study was to assess the feasibility of introducing microinsurance in Moldova. To address this key question, an understanding of both the supply side (current insurance market) and the demand side (risks faced by low-income persons and the coping strategies used to manage these risks) was necessary. The majority of the primary research was conducted on-site in Moldova, in Chisinau and its environs, during the month of March 2009. Qualitative research techniques were utilized, including focus group discussions (FGD) and guided individual interviews with members of both the public and private sector, as well as with international non-governmental organizations, such as the World Bank, IMF and ILO.

Focos de este los últimos boletín de noticias principalmente en tecnología. ' Tecnología para el microinsurance' tentativas de catalogar y de ilustrar tecnologías existentes, y ' Microcare y technology' eficaz; mira las experiencias de Microcare con tecnología.

This latest newsletter focuses mainly on technology. 'Technology for microinsurance' attempts to catalogue and illustrate existing technologies, and 'Microcare and effective technology' looks at the experiences of Microcare with technology.

Microinsurance, un instrument avec l'énorme potentiel, l'expérience acquise et les recommandations pour les donateurs, CIC Kenya : expérience avec l'assurance d'après-crise.

Quote of the Day

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

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