MR Microinsurance_2012_03_29.indd - International Labour ...

626 Index
fair treatment 582–7
framework 581–8
funeral insurance 228–31
G-20 549–50, 562
governments 27
market analysis 573
policy-holders 578
policy-making 575–6
regulation 569, 587–9
transparency 579–80
consumer research findings, Kenya 577, 584
Contingent Valuation 157, 158
see also elicitation methods
continuous improvement process 314–16
contract design 437–9, 559
contractual savings product 279
conversational maps 290
Cooperative Development Authority 563
cooperative insurance 206
Cooperative Insurance Company see CIC
cooperatives 20, 49, 107, 376
co-payment 145, 310 , 311
corporate governance regulation 563–4
corporate social responsibility see CSR
Côte d’Ivoire 220, 234, 515
cotton yields 248
Council on Foreign Relations (CFR) 127
Country Bankers Life 12
Cover2go 416, 418, 421, 496, 533
Coydon, M. 14, 17, 20, 25
creative destruction concept 551
CRED (Centre for Research on the Epidemiology
of Disasters) 83
credit life insurance
as basic product 34
benefits 200–4
borrowers 200–1
characterists of value 205
CIC 207, 368, 371, 372
Colombia 13
education/promotion 213–14
enhanced 198, 202, 208–10
expanded products 207–11, 215–16
improvements 197
innovation 211
institutional arrangements 198–9
insurers/intermediaries 203–4
Kenya 15
key performance indicators 204
lenders 202–3
operational aspects 211–15
organizational capacity 214–15
partnerships 423
period of cover 212
premiums 212–13
as profit driver 207–8
providers 211
ranked programmes 206
types 198
Uganda 202–3
value of 204–7
crop yield 244–6, 247, 436, 439
see also yield prediction
crop-stage weather tickets 438
cross border transactions 353–5
CSCs (common service centres) 456
CSR (corporate social responsibility) 20, 21, 22,
31, 400, 404
cultural factors
consumer education 291, 293
funerals 215, 220, 226
willingness to pay 469
women 336
customer care 314
customer interface 531, 546, 559
customer protection see consumer protection
cyclones 83, 86, 440
dairies 456
damayan funds 219, 224
data collection 522
analysis 542–3
credibility 480
national 472, 473
premiums 470–3
public sources 471–2
quality of 483
standardization 540
data mining 542
De Allegri, M. 171
death 209, 220, 334
see also accidental death and disability cover;
funeral cover
debt forgiveness 252
delivery channels 24–6
competition 38
data transfer 23
failed 424
intermediaries 505–6, 524
locked-in 523
scale 448
see also distribution
Department for International Development (UK) 536
Department of Tribal Affairs 440
Dercon, S. 2, 3, 4, 218, 316
Derriennic, Y. 120–1
Deutsche Gesellschaft für Internationale
Zusammenarbeit (GIZ) 56, 409
Devadesan, N. 136
DHAN (Development for Human Action)
Foundation 452, 539, 542–3
dial-a-doc benefit 537
dichotomous choice technique 158–9, 162, 163
Digital Equipment Corporation 407
Diop, F.P. 74, 75, 76, 77, 78
direct sales 457
direct-mail marketing 277
disability, as risk 42, 46, 48, 51, 57, 497
see also TPD
disability cover
Allianz 415
ASR 368, 375
CIC 371
as enhanced risk cover 198, 208–9
Guatemala 368
Indonesia 356
Malayan 380
partnership 500
pricing 389
see also accidental death and disability cover; TPD
disaster cover 34, 83, 336
Disaster Response Product (DRP) 269
diseases 57, 80–1, 117, 259–60, 474
distribution channels 492
aggregators 498
CBHI 451–452
comparing 492–4
cost-effective 486–7, 576
costs 480
defined 488
efficiency 501
flexibility 566–7, 568