MR Microinsurance_2012_03_29.indd - International Labour ...

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xviii Table of acronyms FMD foot and mouth disease FSA Financial Services Authority FSB Financial Stability Board FUNDASEG Fundación de Aseguradores Colombianos GDP gross domestic product GESS Global Extension of Social Security (ILO) GFDRR Global Facility for Disaster Risk and Reduction GFEP Global Financial Education Program GIIF Global Index Insurance Facility GIZ Gesellschaft für Internationale Zusammenarbeit (Germany) GNP gross national product GoI Government of India GPRS general packet radio service GRET Groupe d’échange et de recherche technologique (Cambodia) GTZ Gesellschaft für Technische Zusammenarbeit (Germany) HARITA Horn of Africa Risk Transfer for Adaptation HH household HIS health insurance scheme HIV human immunodeficiency virus HMI health microinsurance HR human resources IAA International Actuarial Association IAIS International Association of Insurance Supervisors IBLI index-based livestock insurance IC Insurance Commission (Philippines) ICARD International Center for Agricultural and Rural Development ICMIF International Cooperative and Mutual Insurance Federation ICP insurance core principles ICRISAT International Crop Research Institute for the Semi-Arid Tropics ICT information and communication technology ICU intensive care ID identification IDB Inter-American Development Bank IEI in-patient expenses insurance IFAD International Fund for Agriculture Development IFC International Finance Cooperation IFFCO Indian Farmers Fertiliser Cooperative Limited IFMR Institute for Financial Management and Research (India) IFPRI International Food Policy Research Institute ILAL Insure Lives and Livelihood Programme (India) ILO International Labour Organization
Table of acronyms xix IMF International Monetary Fund INR Indian Rupee IOM International Organization for Migration IP in-patient IPCC Intergovernmental Panel on Climate Change IRAM Institut de Recherche et d’Applications des Méthodes de Développement (Mozambique) IRDA Insurance Regulatory and Development Authority (India) IRDP Integrated Rural Development Programme IRI International Research Institute for Climate and Society IT information technology ITGI IFFCO Tokio General Insurance Company, Ltd. (India) JBT Jamii Bora Trust (Kenya) JBY Janashree Bima Yojana (India) KES Kenyan Shilling KFW Kreditanstalt Für Wiederaufbau (Germany) KPI key performance indicators LIC Life Insurance Corporation (India) LIC low-income countries LIS Livestock Insurance Scheme (India) LPS Livestock Protection Scheme (India) MAS Manipal Arogya Suraksha Yojana (India) MBA mutual benefit association MCCO mutuals, cooperatives and community-based organizations MCDI Medical Care Development International MCII Munich Climate Insurance Initiative MFI microfinance institution MFIC Microfinance International Corporation MGA managing general agents MIA Micro Insurance Academy MiCRO Microinsurance Catastrophic Risk Organization MIS management information system MNAIS Modified National Agricultural Insurance Scheme (India) MNO mobile network operator MNYL Max New York Life MOLISA Ministry of Labour, Insurance and Social Affairs (Viet Nam) MTA money transfer agent NABARD National Bank for Agriculture and Rural Development (India) NAIS National Agriculture Insurance Scheme (India) NASFAM National Smallholder Farmers’ Association of Malawi NCMS New Cooperative Medical Scheme (China)
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 12 and 13: xii Contents 10.3 Alternative distr
Page 14 and 15: xiv Acknowledgements Th is publicat
Page 16 and 17: xvi Table of acronyms AABY Aam Admi
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
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Page 63 and 64: Th e potential of microinsurance fo
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Th e potential of microinsurance fo
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The potential of microinsurance for
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56 Emerging issues Th ese funds and
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58 Emerging issues year precipitati
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60 Emerging issues pre-emptively en
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62 Emerging issues 3.2 The current
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64 Emerging issues Hence, this chap
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66 Emerging issues Table 3.1 Impact
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68 Emerging issues Expenditure Indi
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70 Emerging issues Box 3.2 Impact o
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72 Emerging issues Box 3.3 Insuranc
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74 Emerging issues Utilization rate
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76 Emerging issues also measured. 1
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78 Emerging issues among members of
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80 Emerging issues 3.3.3 Psychologi
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82 Emerging issues this direction.
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84 Emerging issues Th is chapter be
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86 Emerging issues In many regions,
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88 Emerging issues Box 4.1 ICICI Lo
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90 Emerging issues Th e involvement
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Microinsurance and climate change s
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Microinsurance and climate change M
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Microinsurance and climate change B
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Microinsurance and climate change C
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Microinsurance and climate change -
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Microinsurance and climate change 1
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Microinsurance and climate change 4
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II Health insurance
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Innovations and barriers in health
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Th ird-party payment mechanisms in
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Third-party payment mechanisms in h
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Willingness to pay for health micro
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176 8 Savings in microinsurance: Le
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178 Life insurance - Understanding
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180 Life insurance Finally, the stu
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182 Life insurance Max Vijay offere
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184 Life insurance 8.2.3 SBI Life
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186 Life insurance - Reward for pre
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188 Life insurance capacity, and co
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190 Life insurance and administrati
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192 Life insurance 2. A surrender t
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194 Life insurance be earned from o
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196 Life insurance four of them), p
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198 Life insurance 9.1 What is cred
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200 Life insurance 9.2 Who benefits
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9.2.2 Lenders 202 Life insurance Fo
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204 Life insurance easy product. Wi
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Table 9.2 206 Life insurance Value
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208 Life insurance 9.4.1 Enhanced l
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210 Life insurance An enhancement f
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212 Life insurance 9.5.1 Period of
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214 Life insurance The focus of ins
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216 Life insurance Insurers and len
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218 Life insurance Box 10.1 Mapping
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220 Life insurance Living in the sh
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Table 10.1 222 Life insurance Copin
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224 Life insurance 10.2.2 Is it ins
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226 Life insurance such other tangi
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228 Life insurance “Sold, not bou
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230 Life insurance While funeral pa
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232 Life insurance case of funeral
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234 Life insurance 1. Protecta Clas
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236 Life insurance 5. It makes busi
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238 11 Designed for development imp
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240 General insurance For reasons t
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242 General insurance Once an indem
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244 General insurance 11.1.3 Option
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246 General insurance possible inde
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248 General insurance Conducting a
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250 General insurance costs and the
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252 General insurance the most risk
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254 General insurance from competit
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256 General insurance Th is factor,
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258 12 Livestock insurance: Helping
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260 General insurance Depending on
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262 General insurance cultural poli
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264 General insurance 12.3 Difficul
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266 General insurance Improved iden
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Table 12.4 268 General insurance In
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270 General insurance Table 12.5 Pa
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272 General insurance require tappi
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274 13 The psychology of microinsur
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276 Insurance and the low-income ma
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286 14 Emerging practices in consum
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300 15 Improving client value: Insi
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16.4.4 Donors 348 Insurance and the
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VI Insurers and microinsurance 367
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Is microinsurance a profitable busi
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Is microinsurance a profi table bus
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19 Teaching elephants to dance: The
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Teaching elephants to dance - New e
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Teaching elephants to dance 19.1.2
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Teaching elephants to dance Box 19.
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Teaching elephants to dance 409 the
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Teaching elephants to dance fl exib
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Teaching elephants to dance working
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Teaching elephants to dance way can
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Teaching elephants to dance sense w
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Teaching elephants to dance Realizi
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Teaching elephants to dance Box 19.
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Teaching elephants to dance 19.4 Co
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20 State and market synergies: Insi
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Insights from India’s microinsura
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Comparative features of the four la
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Pricing of microinsurance products
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486 22 New frontiers in microinsura
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488 Delivery channels and intermedi
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Table 22.2 Summary of insurance bus
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VIII Protecting consumers while pro
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The technology revolution in microi
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Th e technology revolution in micro
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Access to insurance and financial s
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Access to insurance and fi nancial
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568 Infrastructure and environment
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Protecting consumers while promotin
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About the authors 597 Doubell Chamb
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About the authors 599 tions in micr
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About the authors 601 nomics of ban
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About the authors 603 in 1997, John
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Bibliography 605 Arun, T.G.; Steine
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Bibliography 607 Chen, T.; Comfort,
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Bibliography 609 Dror, D.; Jacquier
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Bibliography 611 Gruber, J. 2007. P
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Bibliography 613 Kunzemann, T. 2010
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Bibliography 615 Microinsurance Inn
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Bibliography 617 —; Vanderhyden,
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Bibliography 619 Sterling, R. 2000.
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Bibliography 621 Wright, G.; Mutesa
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Index 623 Senegal 417 social/financ
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Index 625 partners 383-4, 417 premi
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Index 627 funeral insurance 226-8 g
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Index 629 risk factors 120-1 risk-p
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Index 631 KaSAPI 12, 26 Kenya 14-15
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Index 633 impact 36, 59-61 as socia
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Index 635 gender differences 331 pu
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Index 637 Sandmark, Therese 582 San
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Index 639 USAID 3n1 UT Life 535, 54
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