MR Microinsurance_2012_03_29.indd - International Labour ...

636 Index
RSBY 448
social protection 3, 4
Turkey 108
PWDS (Palmyrah Workers Development Society)
311, 322, 325
QBE 499
quality of life 369
Quick Enrolment mechanism 277
radio frequency indentification devices (RFIDs)
266–7, 418
rainfall data 242, 245–6, 248, 542–3
rainfall index cover 71, 87, 88, 241, 244, 534
Ramm, G. 26, 342, 343
randomized controlled trials (RCTs) 61
randomized field experiments 281
Ranson, M.K. 74, 77
Rashtriya Swasthya Bima Yojna see RSBY
rational choice 275
RCTs (randomized controlled trials) 61
reasonability checks 478
reciprocity 338, 339
recommended performance indicators 582
refugees 336
regulations 80, 427
alternative distribution 565–6
bundling 581
changes in insurance products 180–1
consumer protection 570–3, 586–7
development 551
facilitative 460
funeral insurance 224
good practice 595
HMI 121
impact of 497–8
non-compliance 424
non-insurance-specific 498
policy frameworks 553–63
pricing 581
products defined 557
proportionality 584
scope of 587–9
standardization 573
regulators 103, 551
reimbursement model 135, 136
reinsurance 104, 120–1, 390–1, 401, 474
reinsurers 23, 90, 106–7, 518–20
remittances
international flow 349
microinsurance payments 361–2
migrants 351
operational opportunities 355–63
repatriation and accident insurance 350, 351–2,
354n7, 358, 362–3
reputation 404, 421, 502, 514
Reserve Bank of India 455
resource allocation 67, 71
resource pooling 295–7
retail channels 25, 26, 194, 486, 492–3, 504, 534
Revealed Preferences method 157
revenue account 370
RFIDs (radio frequency identification devices)
266–7, 272, 418, 434–5, 531, 536
rice farmers 90
Rimansi cover 219, 327
risk aversion 72, 156, 333, 336–7
risk management
consumer education 286–7
coping strategies 336–40
ex ante 336–7
ex post 337–8
high-return economic activities 249–50
informal 230–1, 290
intra-household 333
low-income households 19, 37–8, 288
microinsurance 59
poverty reduction 258
property investment 337
RFIDs 418
savings 176–8, 336–7
social protection 42, 45
social relationships 337
transnational households 349, 351–2
women 332, 333
Risk Management Solutions 28
risk mitigation 82, 293–4, 349
risk pooling schemes 18–19, 49, 90, 130, 293–4
risk premium 475
risk reduction 265, 435, 461
risks
carrying in-house 445
gender differences 332–6, 347
innovation 553
job-related 335–6
livestock-related livelihoods 259
market characteristics 577–80
partnerships 424
underestimated 282, 289–90
Robinson, J. 280
ROSCAs (rotating savings and credit associations)
336, 339
Roth, J. 11, 12, 34, 347
RPLI (Rural Postal Life Insurance)
432–3, 451
RSBY (Rashtriya Swasthya Bima Yojna)
commercial insurers 400
delivery at scale 448
and ICICI Lombard 372, 374
Marsh India 518
means-testing 9n1
numbers insured 372, 374
smart cards 538
subsidies 322, 447
travel allowance 310
Ruchismita, R. 89
rural and social sector 429, 431–2, 436
Rural and Social Sector Obligations 460
rural health workers 127
Rural Internet kiosks 456
Rural Mutual Health Care 76, 81
Rural Postal Life Insurance (RPLI) 432–3, 451
rural support services 480–2
Rwanda 20, 26, 77, 78, 124–5, 512–13
SaaS (Software as a Service) 539
SACCOs (Savings and Credit Cooperative
Organizations) 309, 371, 372
Sa-Dhan 453
Safari Bima 401, 418, 533
Safaricom 362, 534, 536
SAIA (South African Insurance Association)
293, 295–6, 541
sales force 387, 389, 499
sales practices
active/passive 489, 492–3, 498–500, 569
aggressive 578
distribution channels 492–3
Mapfre 499
QBE 499
trust 417
salt-pan workers 440
Samuelson, P. 157
Sanasa Insurance Company, Ltd. (SICL) 214