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Microinsurance and Health Financing


Microinsurance refers to the provision of insurance to lower-income households. If appropriately designed and intermediated, insurance products can play an important role in reducing vulnerability for low-income households as well as presenting profitable markets for commercial insurance providers. In addition, ensuring well-functioning health financing systems is a critical element of development policy and the delivery of health services.

We’ve done extensive work on the regulation and development of microinsurance and health financing markets in Africa, Latin America and Asia.

The Latest in Microinsurance and Health Financing

Risk, Remittances and Integrity Programme
The five-year RRI programme is a partnership between FSD Africa and Cenfri. Its aim is to improve welfare and boost investment growth in sub-Saharan [...]
Micropensions and the future of work
Learning from the emerging world  Earlier this month, we attended the World Bank Group Annual Meetings in Washington D.C. At the meetings, the [...]
Microinsurance solutions for climate change
The third edition of The State of Microinsurance annual journal looks at microinsurance solutions for climate change, focusing on pioneering ideas in [...]
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 [...]
Labour unions and financial inclusion in South Africa
Labour unions play a critical role in improving the well-being of their members through promoting their rights in the workplace. As an organising [...]
Role of inclusive insurance markets in economic growth and poverty reduction
There is much dialogue on the way insurance markets can contribute to poverty reduction by helping low-income individuals to preserve assets and [...]
Role of insurtech in microinsurance: How is insurtech addressing 5 challenges in microinsurance?
The business of insurance is hard. Microinsurance delivery has proven to be nearly impossible. Despite almost two decades of focus on the under and [...]
Getting ahead of the Curve: How the Regulatory Discourse on M-insurance is Changing
Nearly a year ago, we joined the A2ii in Abidjan to sit down with a roomful of regulators to discuss the challenges and imperatives CIMA faces in [...]
Proportionate regulatory frameworks in inclusive insurance
It is over a decade since the first microinsurance regulations were introduced in India in 2005. With at least 18 insurance supervisors having rolled [...]
Could this be microinsurance’s uber moment?
Over the last decade, microinsurance has grown from covering fewer than 100 million risks, to covering more than 500 million. But are we overstating [...]