Latest Publications

Making Access Possible (MAP) Lesotho

FinMark Trust presented the key findings and recommendations from the Making Access Possible (MAP) Lesotho country study at a workshop and roadmap retreat in Maseru, Lesotho in July 2014. The workshop was attended by representatives from the Ministry of Finance, Central Bank of Lesotho, Bureau of Statistics, Ministry of Development Planning and United Nations Development Programme. The workshop provided an opportunity for the MAP diagnostic team to test key findings with stakeholders and for stakeholders to provide feedback and comment on the findings for the final diagnostic report.

Literature review on health microinsurance schemes

Most providers of health microinsurance (HMI) have struggled to achieve sustainability without public or donor support, despite health insurance being one of the most sought after microinsurance products in many regions of the developing world. A lack of data and adequate skills for pricing, as well as the challenges around effectively forming and managing provider networks are two key factors that adversely affect HMI sustainability.

Managing risk while facilitating innovation: The case of mobile insurance in Tanzania

Mobile insurance (m-insurance) can play an important role in enhancing access to insurance, especially in regions where distribution and reach pose challenges to serving the market. Due to the significant penetration of mobile phones, airtime vendors, and mobile money agents, m-insurance initiatives have the potential to reach scale almost overnight. As with all innovations, however, new risks are introduced as m-insurance "sprinters" reach scale.

Credit life insurance in South Africa: the customer's perspective

Credit life insurance may be the first type of insurance that many low-income consumers encounter. As such, it can offer an opportunity for introducing consumers to the concept of insurance and, if it offers value to them, can lead to uptake of other insurance products in future– a phenomenon that can be termed positive market discovery. However, credit life insurance can also lead to consumer protection concerns if consumers are not aware that they have insurance, or if the fact that a captive market is created leads to exorbitant pricing. Such practices may lead to disillusioned customers, thereby disincentivising uptake of other insurance products.

 
Latest Publications

Making Access Possible (MAP) Lesotho

FinMark Trust presented the key findings and recommendations from the Making Access Possible (MAP) Lesotho country study at a workshop and roadmap retreat in Maseru, Lesotho in July 2014. The workshop was attended by representatives from the Ministry of Finance, Central Bank of Lesotho, Bureau of Statistics, Ministry of Development Planning and United Nations Development Programme. The workshop provided an opportunity for the MAP diagnostic team to test key findings with stakeholders and for stakeholders to provide feedback and comment on the findings for the final diagnostic report.

Literature review on health microinsurance schemes

Most providers of health microinsurance (HMI) have struggled to achieve sustainability without public or donor support, despite health insurance being one of the most sought after microinsurance products in many regions of the developing world. A lack of data and adequate skills for pricing, as well as the challenges around effectively forming and managing provider networks are two key factors that adversely affect HMI sustainability.

Managing risk while facilitating innovation: The case of mobile insurance in Tanzania

Mobile insurance (m-insurance) can play an important role in enhancing access to insurance, especially in regions where distribution and reach pose challenges to serving the market. Due to the significant penetration of mobile phones, airtime vendors, and mobile money agents, m-insurance initiatives have the potential to reach scale almost overnight. As with all innovations, however, new risks are introduced as m-insurance "sprinters" reach scale.

Credit life insurance in South Africa: the customer's perspective

Credit life insurance may be the first type of insurance that many low-income consumers encounter. As such, it can offer an opportunity for introducing consumers to the concept of insurance and, if it offers value to them, can lead to uptake of other insurance products in future– a phenomenon that can be termed positive market discovery. However, credit life insurance can also lead to consumer protection concerns if consumers are not aware that they have insurance, or if the fact that a captive market is created leads to exorbitant pricing. Such practices may lead to disillusioned customers, thereby disincentivising uptake of other insurance products.

 

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