MR Microinsurance_2012_03_29.indd - International Labour ...

Index 625
partners 383–4, 417
premium volumes/covered lives 381, 392
premiums growth/renewal 382
profitability 371–2, 377–8, 396–7
see also Bima Ya Jamii
CIF (Confédération des Institutions Financières) 199
CIRM (Centre for Insurance and Risk Management)
28, 438, 453
claims
costs 17, 388–91
fraudulent 264, 390, 536
payment 17, 151, 535, 544, 584–5
profitability 369, 370
rejected 572
settlement 311, 312, 387, 571, 584, 593
verification 264, 362–3, 536
claims administration 144, 152, 580
claims distribution modelling 483
claims management 102, 444
claims processes 24, 311–12, 345, 346
claims ratio 434, 499, 536, 582
Clarke, Daniel J. 89
client communication, gender-sensitive 344–5
client information 495
client interfacing technology 531–8
client satisfaction 200, 387
client value
access to insurance 306–9
AD&D 306
affordability 310
assessment 300–4, 305
business viability 330
CLIMBS 311–12, 325
continuous improvement process 314–16
costs lowered 309–11
credit services 309
defined 301
enrolment proximity 309
experience enhanced 311–14
funeral insurance 34
improvements 36–7, 306
Kenya/PACE 316–17, 321
one-stop shops 495, 502
PACE Philippines 328
partners 502
policy administration/tangibility 313–14
premium payments 308–9
profitability 369
technological advances 311
Uplift Mutuals 312, 315–16, 322, 324
VimoSEWA 309
climate change 83–4
adaptation measures 109–10
education about 103
evidence of 84–6
insurable effects 86–7
insurance 87–93
CLIMBS
client value 311–12, 325
cooperatives 107
exclusions simplified 306
loan linkages 104
PACE 327
Philippines 94, 212
as risk carrier 93–4
CNSeg 291
Codensa 228, 402, 496, 498, 542
codes of conduct 589–590
Cohen, M. 302
collaboration 423
collaborative contracting 139–40
Collins, D. 2, 176, 218, 220, 222, 276, 308
Colombia
Asociación Mutul Los Andes 49
Carrefour 495, 497
Codensa 542
ColSeguros 497
consumer protection 570
credit life 13
death 220
La Equidad 343
FUNDASEG 296
funeral insurance 218, 228
insurance assistance 224
insurance associations 31
microinsurance on television 27
ColSeguros 497
COMAT 456
commercial insurers
AD&D 401
commitment/understanding 407–9
consumer education 417
distribution channels 25
financial returns 403
innovation 430
low-income households 48
microinsurance 400–6
products/profit 425
success in microinsurance 406
commission 525, 568
commitment
agreements 424
commercial insurers 407–9
enabling environment 426
government 459
mechanisms 279–80
Committee on Financial Inclusion 550
common services centres (CSCs) 456
Community Health Fund, Tanzania 74, 77
community-based health insurance see CBHI
Compartamos 16, 199
competition 401, 523, 552
complaints-handling 585–6
Comprehensive Crop Insurance Scheme (CCIS) 435
Comprehensive Social Insurance Scheme 49
Confédération des Institutions Financières (CIF) 199
conferences/meetings 31, 32
Consultative Group to Assist the Poor see CGAP
consumer education
and awareness 592–3
BoP 476
business model 294–8
capacity building 102–3
commercial insurers 417
and community 387
delivery of 291–4
existing knowledge 289–90
household risk 17
key points 299
linked to products 293–4
monitoring/evaluation 297–8
ongoing 293
risk management 286–9
strategies 307–8
sustainability 294–8
tools for 8
using institutions 295–7
women 344–5
workshops 293
see also insurance literacy levels
consumer protection 37
access to 570–3
Colombia 571
designing and implementing 590–1