MR Microinsurance_2012_03_29.indd - International Labour ...

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xx Table of acronyms NCMSL National Collateral Management Services Limited NDVI normalized difference vegetation index NGO non-governmental organization NHIF National Health Insurance Fund (Ghana) NHIF National Hospital Insurance Fund (Kenya) NIC national identity card NICE National Insurance Corperation of Eritrea NSCB National Statistical Coordination Board (Philippines) NSSF National Social Security Fund (Kenya) OE open-ended formats OECD Organisation for Economic Co-operation and Development OEI outpatient expense insurance OOP out-of-pocket OP outpatient PA partner agent PACC Programa de Atención a Contingencias Climatológicas (Climate Contingencies Programme, Mexico) PACE product, access, cost, experience PACS primary agricultural credit societies PC payment card PHFI Public Health Foundation of India PHP Philippines Pesos PIA partner intermediary agent PICC People’s Insurance Company of China PoS point-of-sale PPP public-private partnership PRADAN Professional Assistance for Development Action PWDS Palmyrah Workers Development Society (India) RCT randomized controlled trial REST Relief Society of Tigray (Ethiopia) RFID radio frequency identification device RMB Chinese Yuan ROSCA rotating savings and credit association RP revealed preferences RPLI Rural Postal Life Insurance (India) RSBY Rashtriya Swasthya Bima Yojana (India) SaaS Software as a Service SACCO savings and credit cooperative organization SACCOL Savings and Credit Co-operatives League SAHB State Animal Husbandry Department (India) SAIA South African Insurance Association
Table of acronyms xxi SBS Superintendencia de Banca, Seguros y AFP (Peru) SCC Swedish Cooperative Centre SDA state designated agency (India) SDC Swiss Development Corporation SEC Securities and Exchange Commission SECP Securities and Exchange Commission of Pakistan SEED Save, Earn, Enjoy Deposits SEEP Small Enterprise Education and Promotion Network SEGURO Solvency/stability, Efficiency, Governance, Understanding of the Product, Risk-based capital and Outreach SES socio-economic status SEWA Self Employed Women’s Association (India) SFDA Small Farmers’ Development Agency (India) SICL Sanasa Insurance Company, Ltd. SI-CUN Self-Insured Credit Union Network SI-MFI self-insurance microfinance institution SHEPHERD Self-Help Promotion for Health and Rural Development SHG self-help group SIM subscriber identity module SINCAF Sindicato Carioca dos Fiscais de Renda SKDRDP Sri Kshetra Dharmasthala Rural Development Programme SKY Sokhapheap Krousar Yeung (Health for Our Families, Cambodia) SLDB State Livestock Development Board (India) SMS short message service SP stated preferences SRF social risk fund SSP Swayam Shikshan Prayog (India) SSS Sarva Shakti Suraksha SSS Social Security Software (DHAN Foundation, India) SUSEP Superintêndencia de Seguros Privados (Brazil) TA technical assistance TCF treating customers fairly TIOLI “take it or leave it” approach TPA third-party administrator TPD total and permanent disability TPP third-party payment TSKI Taytay Sa Kauswagan, Inc. (Philippines) UEMOA Economic Community of West African States UMASIDA Umoja wa Matibabu Sekta Isiyo Rasmi Dar es Salaam (United Republic of Tanzania)
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 18 and 19: xviii Table of acronyms FMD foot an
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
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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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