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Reading between the data: Exploring the mismatch between the number of insurance policies reported by consumers vs. providers in Zambia

In 2014, 22.2% of adults in Zambia were covered by insurance. In 2015, just 2.6% were. If you are working on insurance in Zambia you would probably think the magnitude of this change was because of the discontinuing of the Airtel Life product. But even if you exclude Airtel Life from the 2014 data, it captures three times more insurance policies than the 2015 data. So why the mismatch? 

"I've got your back" - the role of mutualitées in the DRC

The Democratic Republic of the Congo (DRC) is a country with a volatile history and topography that’s tough to navigate. It’s not the easiest place to live when you consider the risks that you are exposed to on a regular basis. These might include sickness, unemployment, and unexpected expenses, but also more specific and remarkable challenges, such as buffalos trampling your crops. Now consider that insurance is mostly inaccessible. How would you ensure that you and your family cope?

Equal access in ASEAN – illusion or reality?

This blog series stimulates a broader discussion on gendered financial inclusion in ASEAN. We examine why women’s access to financial services does not necessarily equate gendered usage. We further explore whether the value that women derive from financial services is impacted by the provider they access them from.   It is said that if women are able to achieve their full economic potential they could add between as much as US$12 trillion to $28 trillion dollars to the economy by 2025, contributing to between 11% and 26% of GDP. Gender inequality is both a moral, social and economic issue that features…

Completing the picture in ASEAN

This blog series seeks to generate a broader discussion on the data that is needed to close the gender gap in financial inclusion in ASEAN.   A previous blog post argued that the headline data available on financial inclusion in the ASEAN region – the percentage of women with access to a formal account – is by itself insufficient to understand if, and how, women derive value from formal financial services.

Rich enough for a discount?

Tax credits and employer subsidies are required to make medical schemes affordable for those earning just above tax threshold.   Pre-funded health financing mechanisms are important tools that can protect people against the financial risks of health events and provide access to private healthcare. Such protection is especially important in the low-income market where the majority of individuals cannot afford to pay large medical bills. Yet in South Africa only 16% of the population are members of medical schemes. 
 

Blog

Reading between the data: Exploring the mismatch between the number of insurance policies reported by consumers vs. providers in Zambia

In 2014, 22.2% of adults in Zambia were covered by insurance. In 2015, just 2.6% were. If you are working on insurance in Zambia you would probably think the magnitude of this change was because of the discontinuing of the Airtel Life product. But even if you exclude Airtel Life from the 2014 data, it captures three times more insurance policies than the 2015 data. So why the mismatch? 

"I've got your back" - the role of mutualitées in the DRC

The Democratic Republic of the Congo (DRC) is a country with a volatile history and topography that’s tough to navigate. It’s not the easiest place to live when you consider the risks that you are exposed to on a regular basis. These might include sickness, unemployment, and unexpected expenses, but also more specific and remarkable challenges, such as buffalos trampling your crops. Now consider that insurance is mostly inaccessible. How would you ensure that you and your family cope?

Equal access in ASEAN – illusion or reality?

This blog series stimulates a broader discussion on gendered financial inclusion in ASEAN. We examine why women’s access to financial services does not necessarily equate gendered usage. We further explore whether the value that women derive from financial services is impacted by the provider they access them from.   It is said that if women are able to achieve their full economic potential they could add between as much as US$12 trillion to $28 trillion dollars to the economy by 2025, contributing to between 11% and 26% of GDP. Gender inequality is both a moral, social and economic issue that features…

Completing the picture in ASEAN

This blog series seeks to generate a broader discussion on the data that is needed to close the gender gap in financial inclusion in ASEAN.   A previous blog post argued that the headline data available on financial inclusion in the ASEAN region – the percentage of women with access to a formal account – is by itself insufficient to understand if, and how, women derive value from formal financial services.

Rich enough for a discount?

Tax credits and employer subsidies are required to make medical schemes affordable for those earning just above tax threshold.   Pre-funded health financing mechanisms are important tools that can protect people against the financial risks of health events and provide access to private healthcare. Such protection is especially important in the low-income market where the majority of individuals cannot afford to pay large medical bills. Yet in South Africa only 16% of the population are members of medical schemes. 
 

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