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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

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 [...]
Reading between the data
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 [...]
7 things I learned from the MiN field trip and workshop on microinsurance distribution
What if you could simply swipe your card every time you wanted to pay for a minibus taxi ride? That might be more convenient than carrying the right [...]
Customer views on abuses in the informal funeral parlour market in South Africa
Funeral parlours and burial societies deliver value to consumers by meeting essential functional needs, but also by meeting social and cultural [...]
Managing risk whilst facilitating innovation: The case of m-insurance in Zambia
Zambia is one of nine countries in sub-Saharan Africa with more registered mobile money accounts than bank accounts (GSMA, 2013). Previous case [...]
Un-networked retailers: A growing channel for financial services distribution?
Agent networks are critical for expanding access to financial services in developing countries. They enable providers to offer viable cost-effective [...]