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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

Mzansi and Zimele product standards in South Africa
Insurance usage in South Africa has for a long time been out of reach of the majority of the low-income population. In 2004, the FinScope survey of [...]
Funeral insurance
Funeral insurance is not just insurance business as usual and requires a dedicated understanding of the dynamics driving funeral insurance markets. [...]
Swaziland’s microinsurance landscape
Microinsurance (or insurance in general) may not be affordable to all Swazis. Below a certain income threshold, non-market interventions such as [...]
Microinsurance innovation in Brazil
These 2011 case studies on microinsurance innovation in Brazil forms part of a series on alternative, innovative microinsurance distribution models. [...]
Microinsurance innovation in Colombia
This 2011 case study on microinsurance innovation in Colombia forms part of a series of case studies on alternative, innovative microinsurance [...]
New frontiers in microinsurance distribution
The International Labour Organization’s (ILO) Microinsurance Innovation Facility (MIF) commissioned Cenfri to compare innovative distribution [...]
Demand-side analysis for microinsurance in Mozambique
To provide inputs into the Access to Insurance diagnostic, focus group discussions were carried out in Mozambique to form part of the demand-side [...]
South Africa: Demand-side analysis of market for medical schemes
During the last ten years, South Africa has achieved remarkable progress in the area of financial inclusion for lower-income households in [...]
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. [...]
The role of cell captive insurance in the development of the South African microinsurance sector
This study was commissioned by FinMark Trust to investigate the cell captive landscape in South Africa and the potential that cell captives may have [...]