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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

Regulating for inclusive insurance markets in SADC
SADC faces high levels of exclusion in insurance. It is therefore appropriate for SADC supervisors to pursue inclusive insurance markets based on [...]
A demand-side perspective on hospital cash plans in South Africa
Hospital cash plans (HCPs) have emerged as an affordable risk cover for many low-income South Africans without access to medical aid. HCPs pay out a [...]
Review of the history and legislative landscape of the South African market for hospital cash plan insurance
Hospital cash plans (HCPs) have the potential to provide financial protection against health risks to low-income individuals that are unable to [...]
The nature of informality in the South African funeral services market
Implications for policymakers and regulators.  Funeral insurance is the most prevalent form of insurance in South Africa with just less than 90% [...]
Update on microinsurance innovation in Colombia
This case study on microinsurance innovation in Colombia forms part of a series of case studies on alternative, innovative microinsurance [...]
Beyond sales
New Frontiers in Microinsurance Distribution The International Labour Organization’s (ILO) Microinsurance Innovation Facility (MIF) commissioned [...]
Tanzania access to insurance
This series of documents brings together research and analysis on the country context, demand, supply and regulatory framework for insurance in [...]
The South African market for hospital cash plan insurance
In 2012, there were estimated to be between 1 and 1.5 million hospital cash plan (HCP) policies in effect in South Africa, with total lives covered [...]
Opportunities for insurance inclusion in Nigeria
In 2011, insurance reach in Nigeria was extremely low and the market was plagued by a number of challenges, many of them relating to distribution. [...]
Update on microinsurance innovation in South Africa
South Africa has one of the most innovative insurance markets in the world. It is also considered one of the leading microinsurance jurisdictions. [...]