Karuna Trust, Karnataka - ZEF

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Good and Bad Practices in MicroinsuranceKaruna Trust, IndiaAcknowledgementsThe authors would like to thank the staff and clients of Karuna Trust for support in datacollection and for long hours of interviews. Special thanks to Dr. H. Sudarshan and Mr.Achutha Rao (both Karuna Trust) for supporting this case study. We also gratefullyacknowledge the pleasant and open collaboration with National Insurance Company –especially in the Regional Office in Bangalore.All authors are members of the project “Strengthening Micro Health Insurance Units for thePoor in India”; the kind support given by the European Union to this project is gratefullyacknowledged as well. Many thanks also to Craig Churchill, ILO, for his valuable commentson an earlier draft of this study.The authorsii
Good and Bad Practices in MicroinsuranceKaruna Trust, IndiaAcronymsAPLBPLCDACGAPCGHSCHCCPDDFIDDICGCESISFICCIGICGTZIECILOIRDAMoUNGONICOPDPHCRBISCSHGSIDASTTPAUIICUNDPVGKKWHOAbove Poverty LineBelow Poverty LineCluster Development AssociationsConsultative Group to Assist the PoorestCentral Government Health SchemeCommunity Health CentreCentre for Population DynamicsDepartment for International DevelopmentDeposit Insurance and Credit Guarantee CorporationEmployees’ State Insurance SchemeFederation of Indian Chambers of Commerce and IndustryGeneral Insurance CorporationDeutsche Gesellschaft für Technische ZusammenarbeitInformation, Education and CounsellingInternational Labour OrganizationInsurance Regulatory and Development AuthorityMemorandum of UnderstandingNon-government OrganizationNational Insurance Company Ltd.Outpatient DepartmentPrimary Health CentreReserve Bank of IndiaScheduled CastsSelf Help GroupSwedish International Development AgencyScheduled TribesThird Party AdministratorUnited India Insurance CompanyUnited Nations Development ProgrammeVivekananda Girijan Kalyan KendraWorld Health Organizationiii
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