MR Microinsurance_2012_03_29.indd - International Labour ...

More documents

Recommendations

Info

xii Contents 10.3 Alternative distribution: Pep-Hollard, South Africa 227 10.4 Alternative distribution: CODENSA Mapfre, Colombia 228 10.5 The importance of claims: Alternative Insurance Company (AIC), Haiti 232 10.6 The role of market research in designing funeral-plus products 233 12.1 Livestock risk management strategy by BASIX, India 263 12.2 Improving the viability of livestock insurance at IFFCO-Tokio 267 12.3 Index-based livestock cover in Mongolia 269 12.4 Paying the premium after the term? 271 14.1 Content areas for Swedish Cooperative Centre and Microfinance Opportunities 289 15.1 Client value definition and value creation process 301 15.2 Preferences for higher co-payments (and lower premiums) at PWDS in India 311 15.3 CARD’s 1-3-5 claims settlement model 312 15.4 Process of improving client value at MicroEnsure 313 15.5 Process of improving client value at Uplift 315 15.6 Client value from informal risk-sharing mechanisms in Kenya 316 16.1 Bolivia’s BancoSol negotiates to deliver better benefits to women 341 16.2 Colombia’s La Equidad structures life insurance benefits to protect children 343 16.3 India’s SEWA Bank: A pioneer in gender-sensitive microinsurance 345 17.1 SegurCaixa’s repatriation and accidental death insurance 352 17.2 A review of Indonesia’s mandatory overseas workers insurance 356 17.3 The right way to market? Medical plans for the families of Guatemalan migrants in North America 357 17.4 Seguros Futuro: Recognizing the need for consumer education 358 17.5 Pioneer Life’s SparxX 359 17.6 Pioneer’s Savings and Wellness Clubs 360 18.1 Measurement of profitability 370 18.2 Regulatory implications for premiums 385 18.3 Creating a dedicated sales force 387 18.4 Re-pricing risk 389 18.5 Reinsuring weather risk 391 19.1 Increasing diversity of products by commercial insurers 401 19.2 Innovative distribution used by commercial insurers 402 19.3 Zurich’s global “emerging consumer” microinsurance practice 405 19.4 Mixed reactions from management 408 19.5 Creating space for errors and learning 410 19.6 Iterative learning process 411 19.7 Microinsurance in multinational insurance companies 413 19.8 Meeting the market where it is 416 19.9 Building a cascade of trust 417 19.10 Using technology 418 19.11 First-mover advantage 419 19.12 Hollard’s partnership philosophy 420 19.13 Image and reputation of partners 421 19.14 Importance of creating full buy-in at the partner level 422 19.15 Partnerships and products responding to partner needs 423 20.1 Rural and social sector obligations 429 20.2 Crop-stage weather tickets 438 20.3 Weather-index for non-agricultural groups 440 20.4 Modified National Agricultural Insurance Scheme (MNAIS) 442 20.5 Bringing in the absent TPA 445 20.6 RSBY: Delivering at scale 448 20.7 Opportunity in the crisis? 455 20.8 New distribution channels and technology 457 21.1 Consequences of gross pricing errors 465 21.2 Cultural barriers to WTP 469 21.3 Financial limitations and liquidity of low-income households 470 21.4 Processes influence expenses 477 21.5 Pricing: Organization A 480
Contents xiii 21.6 Pricing: Organization B 481 23.1 WFII policy position on microinsurance 509 23.2 Intermediaries as market makers: MicroEnsure in the Philippines 522 24.1 Microinsurance Network’s Technology Working Group 531 24.2 Premium payments through airtime deduction: The case of AKSItext 533 24.3 Role of technology in sales and premium collection: The case of Kilimo Salama 534 24.4 M-PESA mobile money product in Kenya 536 24.5 Evolution of software systems at the DHAN Foundation 539 24.6 Electronic data transmission standards: The case of the ACORD standards 541 24.7 Mi Life mobile insurance in Ghana 544 25.1 Taking active steps to develop a microinsurance market in India 552 25.2 Developing a national microinsurance strategy: The Brazilian experience 556 25.3 The evolving definition of microinsurance in Peru 559 25.4 Proposed framework for dedicated microinsurance companies in South Africa 561 25.5 Formalizing informal insurance in the Philippines 563 25.6 Creating a flexible regime for distribution: Technology and financial inclusion 566 25.7 The six TCF consumer outcomes 569 25.8 Microinsurance standards and products: Philippines 570 26.1 What can go wrong? Kenya consumer research findings 577 26.2 Social performance indicators especially relevant to consumer protection 582 26.3 South African rules on advice 589
Page 1: Protecting the poor A microinsuranc
Page 4 and 5: Publications of the International L
Page 6 and 7: vi Contents Part ii Health insuranc
Page 8 and 9: viii Contents 19 Teaching elephants
Page 10 and 11: x Contents 15.4 Products included i
Page 14 and 15: xiv Acknowledgements Th is publicat
Page 16 and 17: xvi Table of acronyms AABY Aam Admi
Page 18 and 19: xviii Table of acronyms FMD foot an
Page 20 and 21: xx Table of acronyms NCMSL National
Page 22 and 23: xxii Table of acronyms UMSGF Union
Page 24 and 25: 2 Introduction Benefits for the wor
Page 26 and 27: 4 Introduction in many emerging and
Page 29 and 30: I Emerging issues 7
Page 31 and 32: Current trends in microinsurance Wh
Page 33 and 34: Current trends in microinsurance As
Page 35 and 36: Current trends in microinsurance Si
Page 37 and 38: Current trends in microinsurance vo
Page 39 and 40: Current trends in microinsurance A
Page 41 and 42: Current trends in microinsurance (s
Page 43 and 44: Current trends in microinsurance th
Page 45 and 46: Current trends in microinsurance an
Page 47 and 48: Current trends in microinsurance Fi
Page 49 and 50: Current trends in microinsurance Co
Page 51 and 52: Current trends in microinsurance sc
Page 53 and 54: Current trends in microinsurance In
Page 55 and 56: Current trends in microinsurance th
Page 57 and 58: Current trends in microinsurance in
Page 59 and 60: Current trends in microinsurance sh
Page 61 and 62: Current trends in microinsurance cl
Page 63 and 64:
Th e potential of microinsurance fo
Page 65 and 66:
Page 67 and 68:
The potential of microinsurance for
Page 69 and 70:
Page 71 and 72:
Page 73 and 74:
Page 75:
Page 78 and 79:
56 Emerging issues Th ese funds and
Page 80 and 81:
58 Emerging issues year precipitati
Page 82 and 83:
60 Emerging issues pre-emptively en
Page 84 and 85:
62 Emerging issues 3.2 The current
Page 86 and 87:
64 Emerging issues Hence, this chap
Page 88 and 89:
66 Emerging issues Table 3.1 Impact
Page 90 and 91:
68 Emerging issues Expenditure Indi
Page 92 and 93:
70 Emerging issues Box 3.2 Impact o
Page 94 and 95:
72 Emerging issues Box 3.3 Insuranc
Page 96 and 97:
74 Emerging issues Utilization rate
Page 98 and 99:
76 Emerging issues also measured. 1
Page 100 and 101:
78 Emerging issues among members of
Page 102 and 103:
80 Emerging issues 3.3.3 Psychologi
Page 104 and 105:
82 Emerging issues this direction.
Page 106 and 107:
84 Emerging issues Th is chapter be
Page 108 and 109:
86 Emerging issues In many regions,
Page 110 and 111:
88 Emerging issues Box 4.1 ICICI Lo
Page 112 and 113:
90 Emerging issues Th e involvement
Page 115 and 116:
Microinsurance and climate change s
Page 117 and 118:
Microinsurance and climate change M
Page 119 and 120:
Microinsurance and climate change B
Page 121 and 122:
Microinsurance and climate change C
Page 123 and 124:
Microinsurance and climate change -
Page 125 and 126:
Page 127 and 128:
Page 129 and 130:
Microinsurance and climate change 1
Page 131 and 132:
Microinsurance and climate change 4
Page 133 and 134:
II Health insurance
Page 135 and 136:
Innovations and barriers in health
Page 137 and 138:
Page 139 and 140:
Page 141 and 142:
Page 143 and 144:
Page 145 and 146:
Page 147 and 148:
Page 149 and 150:
Page 151 and 152:
Page 153 and 154:
Page 155 and 156:
Th ird-party payment mechanisms in
Page 157 and 158:
Page 159 and 160:
Page 161 and 162:
Third-party payment mechanisms in h
Page 163 and 164:
Page 165 and 166:
Page 167 and 168:
Page 169 and 170:
Page 171 and 172:
Page 173 and 174:
Page 175 and 176:
Page 177 and 178:
Page 179 and 180:
Willingness to pay for health micro
Page 181 and 182:
Page 183 and 184:
Page 185 and 186:
Page 187 and 188:
Page 189 and 190:
Page 191 and 192:
Page 193 and 194:
Page 195:
Page 198 and 199:
176 8 Savings in microinsurance: Le
Page 200 and 201:
178 Life insurance - Understanding
Page 202 and 203:
180 Life insurance Finally, the stu
Page 204 and 205:
182 Life insurance Max Vijay offere
Page 206 and 207:
184 Life insurance 8.2.3 SBI Life
Page 208 and 209:
186 Life insurance - Reward for pre
Page 210 and 211:
188 Life insurance capacity, and co
Page 212 and 213:
190 Life insurance and administrati
Page 214 and 215:
192 Life insurance 2. A surrender t
Page 216 and 217:
194 Life insurance be earned from o
Page 218 and 219:
196 Life insurance four of them), p
Page 220 and 221:
198 Life insurance 9.1 What is cred
Page 222 and 223:
200 Life insurance 9.2 Who benefits
Page 224 and 225:
9.2.2 Lenders 202 Life insurance Fo
Page 226 and 227:
204 Life insurance easy product. Wi
Page 228 and 229:
Table 9.2 206 Life insurance Value
Page 230 and 231:
208 Life insurance 9.4.1 Enhanced l
Page 232 and 233:
210 Life insurance An enhancement f
Page 234 and 235:
212 Life insurance 9.5.1 Period of
Page 236 and 237:
214 Life insurance The focus of ins
Page 238 and 239:
216 Life insurance Insurers and len
Page 240 and 241:
218 Life insurance Box 10.1 Mapping
Page 242 and 243:
220 Life insurance Living in the sh
Page 244 and 245:
Table 10.1 222 Life insurance Copin
Page 246 and 247:
224 Life insurance 10.2.2 Is it ins
Page 248 and 249:
226 Life insurance such other tangi
Page 250 and 251:
228 Life insurance “Sold, not bou
Page 252 and 253:
230 Life insurance While funeral pa
Page 254 and 255:
232 Life insurance case of funeral
Page 256 and 257:
234 Life insurance 1. Protecta Clas
Page 258 and 259:
236 Life insurance 5. It makes busi
Page 260 and 261:
238 11 Designed for development imp
Page 262 and 263:
240 General insurance For reasons t
Page 264 and 265:
242 General insurance Once an indem
Page 266 and 267:
244 General insurance 11.1.3 Option
Page 268 and 269:
246 General insurance possible inde
Page 270 and 271:
248 General insurance Conducting a
Page 272 and 273:
250 General insurance costs and the
Page 274 and 275:
252 General insurance the most risk
Page 276 and 277:
254 General insurance from competit
Page 278 and 279:
256 General insurance Th is factor,
Page 280 and 281:
258 12 Livestock insurance: Helping
Page 282 and 283:
260 General insurance Depending on
Page 284 and 285:
262 General insurance cultural poli
Page 286 and 287:
264 General insurance 12.3 Difficul
Page 288 and 289:
266 General insurance Improved iden
Page 290 and 291:
Table 12.4 268 General insurance In
Page 292 and 293:
270 General insurance Table 12.5 Pa
Page 294 and 295:
272 General insurance require tappi
Page 296 and 297:
274 13 The psychology of microinsur
Page 298 and 299:
276 Insurance and the low-income ma
Page 300 and 301:
Page 302 and 303:
Page 304 and 305:
Page 306 and 307:
Page 308 and 309:
286 14 Emerging practices in consum
Page 310 and 311:
Page 312 and 313:
Page 314 and 315:
Page 316 and 317:
Page 318 and 319:
Page 320 and 321:
Page 322 and 323:
300 15 Improving client value: Insi
Page 324 and 325:
Page 326 and 327:
Page 328 and 329:
Page 330 and 331:
Page 332 and 333:
Page 334 and 335:
Page 336 and 337:
Page 338 and 339:
Page 340 and 341:
Page 342 and 343:
Page 344 and 345:
Page 346 and 347:
Page 348 and 349:
Page 350 and 351:
Page 352 and 353:
Page 354 and 355:
Page 356 and 357:
Page 358 and 359:
Page 360 and 361:
Page 362 and 363:
Page 364 and 365:
Page 366 and 367:
Page 368 and 369:
Page 370 and 371:
16.4.4 Donors 348 Insurance and the
Page 372 and 373:
Page 374 and 375:
Page 376 and 377:
Page 378 and 379:
Page 380 and 381:
Page 382 and 383:
Page 384 and 385:
Page 386 and 387:
Page 389 and 390:
VI Insurers and microinsurance 367
Page 391 and 392:
Is microinsurance a profitable busi
Page 393 and 394:
Page 395 and 396:
Page 397 and 398:
Page 399 and 400:
Is microinsurance a profi table bus
Page 401 and 402:
Page 403 and 404:
Page 405 and 406:
Page 407 and 408:
Page 409 and 410:
Page 411 and 412:
Page 413 and 414:
Page 415 and 416:
Page 417 and 418:
Page 419 and 420:
Page 421 and 422:
19 Teaching elephants to dance: The
Page 423 and 424:
Teaching elephants to dance - New e
Page 425 and 426:
Teaching elephants to dance 19.1.2
Page 427 and 428:
Teaching elephants to dance Box 19.
Page 429 and 430:
Page 431 and 432:
Teaching elephants to dance 409 the
Page 433 and 434:
Teaching elephants to dance fl exib
Page 435 and 436:
Teaching elephants to dance working
Page 437 and 438:
Page 439 and 440:
Teaching elephants to dance way can
Page 441 and 442:
Teaching elephants to dance sense w
Page 443 and 444:
Teaching elephants to dance Realizi
Page 445 and 446:
Teaching elephants to dance Box 19.
Page 447 and 448:
Teaching elephants to dance 19.4 Co
Page 449 and 450:
20 State and market synergies: Insi
Page 451 and 452:
Insights from India’s microinsura
Page 453 and 454:
Page 455 and 456:
Page 457 and 458:
Page 459 and 460:
Page 461 and 462:
Page 463 and 464:
Page 465 and 466:
Page 467 and 468:
Page 469 and 470:
Page 471 and 472:
Comparative features of the four la
Page 473 and 474:
Page 475 and 476:
Page 477 and 478:
Page 479 and 480:
Page 481 and 482:
Page 483 and 484:
Page 485 and 486:
Page 487 and 488:
Pricing of microinsurance products
Page 489 and 490:
Page 491 and 492:
Page 493 and 494:
Page 495 and 496:
Page 497 and 498:
Page 499 and 500:
Page 501 and 502:
Page 503 and 504:
Page 505:
Page 508 and 509:
486 22 New frontiers in microinsura
Page 510 and 511:
488 Delivery channels and intermedi
Page 512 and 513:
Table 22.2 Summary of insurance bus
Page 514 and 515:
Page 516 and 517:
Page 518 and 519:
Page 520 and 521:
Page 522 and 523:
Page 524 and 525:
Page 526 and 527:
Page 528 and 529:
Page 530 and 531:
Page 532 and 533:
Page 534 and 535:
Page 536 and 537:
Page 538 and 539:
Page 540 and 541:
Page 542 and 543:
Page 544 and 545:
Page 546 and 547:
Page 549 and 550:
VIII Protecting consumers while pro
Page 551 and 552:
The technology revolution in microi
Page 553 and 554:
Th e technology revolution in micro
Page 555 and 556:
Page 557 and 558:
Page 559 and 560:
Page 561 and 562:
Page 563 and 564:
Page 565 and 566:
Page 567 and 568:
Page 569 and 570:
Page 571 and 572:
Access to insurance and financial s
Page 573 and 574:
Page 575 and 576:
Page 577 and 578:
Access to insurance and fi nancial
Page 579 and 580:
Page 581 and 582:
Page 583 and 584:
Page 585 and 586:
Page 587:
Page 590 and 591:
568 Infrastructure and environment
Page 592 and 593:
Page 594 and 595:
Page 596 and 597:
Page 598 and 599:
Page 600 and 601:
Page 602 and 603:
Page 604 and 605:
Page 606 and 607:
Page 608 and 609:
Page 610 and 611:
Page 612 and 613:
Page 614 and 615:
Page 617 and 618:
Protecting consumers while promotin
Page 619 and 620:
About the authors 597 Doubell Chamb
Page 621 and 622:
About the authors 599 tions in micr
Page 623 and 624:
About the authors 601 nomics of ban
Page 625 and 626:
About the authors 603 in 1997, John
Page 627 and 628:
Bibliography 605 Arun, T.G.; Steine
Page 629 and 630:
Bibliography 607 Chen, T.; Comfort,
Page 631 and 632:
Bibliography 609 Dror, D.; Jacquier
Page 633 and 634:
Bibliography 611 Gruber, J. 2007. P
Page 635 and 636:
Bibliography 613 Kunzemann, T. 2010
Page 637 and 638:
Bibliography 615 Microinsurance Inn
Page 639 and 640:
Bibliography 617 —; Vanderhyden,
Page 641 and 642:
Bibliography 619 Sterling, R. 2000.
Page 643 and 644:
Bibliography 621 Wright, G.; Mutesa
Page 645 and 646:
Index 623 Senegal 417 social/financ
Page 647 and 648:
Index 625 partners 383-4, 417 premi
Page 649 and 650:
Index 627 funeral insurance 226-8 g
Page 651 and 652:
Index 629 risk factors 120-1 risk-p
Page 653 and 654:
Index 631 KaSAPI 12, 26 Kenya 14-15
Page 655 and 656:
Index 633 impact 36, 59-61 as socia
Page 657 and 658:
Index 635 gender differences 331 pu
Page 659 and 660:
Index 637 Sandmark, Therese 582 San
Page 661 and 662:
Index 639 USAID 3n1 UT Life 535, 54
show all

MR Microinsurance_2012_03_29.indd - International Labour ...

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?