MR Microinsurance_2012_03_29.indd - International Labour ...
MR Microinsurance_2012_03_29.indd - International Labour ... MR Microinsurance_2012_03_29.indd - International Labour ...
xiv Acknowledgements Th is publication benefi ts from the experiences of dozens of microinsurance innovators from across the globe who have generously shared their experiences, including successes and failures. In particular, we would like to acknowledge the contribution made by the following organizations: Africa and Asia and the Pacifi c India Latin America and the Middle East East (except India) Caribbean Britak (Kenya) (Kenya) Allianz (Indonesia) Bajaj Allianz ACE (Brazil) Cooperative Insurance CARD MBA BASIX AIC (Haiti) Company (Kenya) (Philippines) CARE Foundation Alico (Colombia) HARITA (Ethiopia) CBHI (Lao PDR) CARE India Aseguradora Rural Hollard (South Africa) China Life Centre for Insurance (Guatemala) Jamii Bora Bora Trust Trust CLIMBS Risk Management Bradesco (Brazil) (Kenya) (Philippines) (CIRM) Colseguros Kenya Orient FICCO MBA Dhan Foundation (Colombia) Metropolitan (Philippines) HDFC Ergo FUNDASEG (South Africa) First Microinsurance Microfund for Women Agency (Pakistan) (Jordan) GRET (Cambodia) Mutual and Federal Groupama (Viet (South Africa) Nam) National Hospital Malayan (Philippines) Insurance Fund Philam Life (Kenya) (Philippines) Old Mutual PICC (China) (South Africa) TSKI (Philippines) Pioneer Assurance Vision Fund (Kenya) (Kenya) (Cambodia) Sanlam Sky (South Africa) Syngenta Foundation (Kenya) UMSGF (Guinea) UNACOOPEC (Cote d’Ivoire) ICICI Lombard ICICI Prudential IFFCO-Tokio Max New York Life (MNYL) Palmyrah Workers Development Society (PWDS) Rashtriya Swasthya Bima Yojana (RSBY) SBI Life Swayam Shikshan Prayog (SSP) Tata AIG Uplift VimoSEWA Weather Risk Management Services (WRMS) Yeshesvini (Colombia) Fonkoze (Haiti) Mapfre (Brazil) Mapfre (Colombia) QBE (Brazil) Seguros Futuro (El Salvador) Solidaria and La Equidad (Colombia) SINAF (Brazil) Zurich (Bolivia) Other/global Aga Khan Agency Microfi nance (AKAM) Allianz Aon Affi nity Cenfri Guy Carpenter MicroEnsure Micro Insurance Academy MicroInsurance Centre Microinsurance Network Munich Re PlaNet Guarantee Swiss Re Zurich Th is book was prepared under the auspices of the Microinsurance Network, formerly known as the CGAP Working Group on Microinsurance. As a memberbased association of donors, multilateral agencies, insurance and social protection providers, policymakers and academics, the Network provides a platform for information sharing and stakeholder coordination with the aim of promoting the development and proliferation of insurance services for low-income persons.
Acknowledgements xv The Network provided a five-person Editorial Board that was responsible for shaping the overall outline of the book, helping to identify authors and reviewers, and also provided reviews for a number of chapters. The Board – Doubell Chamberlain (Cenfri), Iddo Dror (Micro Insurance Academy), Michael McCord (MicroInsurance Centre), Dirk Reinhard (Munich Re Foundation) and Rupalee Ruchismita (CIRM) – provided essential contributions and guidance. This book would not have been possible without financial, technical and logistical support from the Munich Re Foundation, especially Martina Mayerhofer, Dirk Reinhard and Thomas Loster. Munich Re Foundation’s Annual Microinsurance Conferences, co-sponsored by the Microinsurance Network, remain an on-going source of inspiration and insight, providing considerable material for the book. Although funding for the book came from the Munich Re Foundation, we would also like to acknowledge additional donors who provided funding for content development, especially the Bill & Melinda Gates Foundation, which contributed to many of the chapters through its support of the ILO’s Microinsurance Innovation Facility. Additional support for some chapters was provided by the Consultative Group to Assist the Poor (CGAP), FinMark Trust, Gesellschaft für Internationale Zusammenarbeit (GIZ), Luxembourg Ministry of Foreign Affairs, Swiss Development Cooperation (SDC) and USAID. More than 50 people co-authored chapters of this book and nearly 80 people were involved in reviewing them. To acknowledge their inputs, each chapter specifies the authors and the reviewers. Our colleagues in the ILO’s Microinsurance Innovation Facility deserve a particular mention for their tireless involvement in the writing, reviewing and editing process. Dozens of others have helped with the administration, proof-reading, layout and typesetting. Behind the scenes, Abigail Gray, Lauren Peterson and David Saunders provided invaluable administrative, editorial and technical assistance. Important contributions were also made by Nalina Ganapathi of the ILO’s Social Finance Programme, Charlotte Beauchamp and Alison Irvine of the ILO’s Publications Department, and Anton Sandbiller from Munich Re’s publication department. Copy editing was performed by Andrew Lawson of Munich Re’s language department, layout and typesetting by Marcus Maurer, Anja Gindele and Andreas Töll. Many thanks to all. Lastly, we dedicate this book to the memory of our colleague José Navarro, an actuary and humanitarian, whose passion for protecting the poor continues to inspire us all. Craig Churchill and Michal Matul Social Finance Programme, Employment Sector International Labour Organization Geneva, Switzerland
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Acknowledgements xv<br />
The Network provided a five-person Editorial Board that was responsible for<br />
shaping the overall outline of the book, helping to identify authors and reviewers,<br />
and also provided reviews for a number of chapters. The Board – Doubell Chamberlain<br />
(Cenfri), Iddo Dror (Micro Insurance Academy), Michael McCord<br />
(MicroInsurance Centre), Dirk Reinhard (Munich Re Foundation) and Rupalee<br />
Ruchismita (CIRM) – provided essential contributions and guidance.<br />
This book would not have been possible without financial, technical and logistical<br />
support from the Munich Re Foundation, especially Martina Mayerhofer, Dirk<br />
Reinhard and Thomas Loster. Munich Re Foundation’s Annual <strong>Microinsurance</strong><br />
Conferences, co-sponsored by the <strong>Microinsurance</strong> Network, remain an on-going<br />
source of inspiration and insight, providing considerable material for the book.<br />
Although funding for the book came from the Munich Re Foundation, we<br />
would also like to acknowledge additional donors who provided funding for content<br />
development, especially the Bill & Melinda Gates Foundation, which contributed to<br />
many of the chapters through its support of the ILO’s <strong>Microinsurance</strong> Innovation<br />
Facility. Additional support for some chapters was provided by the Consultative<br />
Group to Assist the Poor (CGAP), FinMark Trust, Gesellschaft für <strong>International</strong>e<br />
Zusammenarbeit (GIZ), Luxembourg Ministry of Foreign Affairs, Swiss Development<br />
Cooperation (SDC) and USAID.<br />
More than 50 people co-authored chapters of this book and nearly 80 people<br />
were involved in reviewing them. To acknowledge their inputs, each chapter<br />
specifies the authors and the reviewers. Our colleagues in the ILO’s <strong>Microinsurance</strong><br />
Innovation Facility deserve a particular mention for their tireless involvement<br />
in the writing, reviewing and editing process.<br />
Dozens of others have helped with the administration, proof-reading, layout<br />
and typesetting. Behind the scenes, Abigail Gray, Lauren Peterson and David<br />
Saunders provided invaluable administrative, editorial and technical assistance.<br />
Important contributions were also made by Nalina Ganapathi of the ILO’s Social<br />
Finance Programme, Charlotte Beauchamp and Alison Irvine of the ILO’s<br />
Publications Department, and Anton Sandbiller from Munich Re’s publication<br />
department. Copy editing was performed by Andrew Lawson of Munich Re’s<br />
language department, layout and typesetting by Marcus Maurer, Anja Gindele<br />
and Andreas Töll. Many thanks to all.<br />
Lastly, we dedicate this book to the memory of our colleague José Navarro, an<br />
actuary and humanitarian, whose passion for protecting the poor continues to<br />
inspire us all.<br />
Craig Churchill and Michal Matul<br />
Social Finance Programme, Employment Sector<br />
<strong>International</strong> <strong>Labour</strong> Organization<br />
Geneva, Switzerland