Emerging Insights is a regular information series of the ILO's Microinsurance Innovation Facility that provides bite-sized lessons from microinsurance practitioners. Learn more about a specific insight by clicking on the Emerging Insights column. You can also sort the Emerging Insights by Release Number, Theme, or Source by clicking on the column heading.
| Release # | Theme | Source | Emerging Insight |
|---|---|---|---|
| 44 | Theme: Client value and business viability | Source: A case study of livestock insurance from India | Process improvements leading to better client value in livestock insurance |
| 51 | Theme: Facilitating learning | Source: A peer exchange visit with Old Mutual | The power of peer exchange |
| 35 | Theme: Demand | Source: A randomized experiment on the effect of social networks in insurance take-up, China | Can insurance get by with a little help from friends? |
| 39 | Theme: public-private partnerships, linkages to social security | Source: A review of current trends in microinsurance, particularly in India | The law of large numbers: how the Indian Government promotes microinsurance |
| 64 | Theme: client value, informal risk management mechanisms | Source: A review of Fonkoze’s property insurance product | Insurance helps clients reduce (but, not avoid) using stressful informal coping strategies |
| 9 | Theme: client value | Source: A study examining the determinants of health care access in Senegal | Insured are more likely to access health care than the uninsured, especially among the poorest |
| 13 | Theme: client value | Source: A study measuring willingness-to-pay for a community-based health insurance scheme in Cameroon | Greater community involvement = greater willingness-to-pay for community-based health insurance |
| 40 | Theme: commercial insurers | Source: A study of the experience of commercial insurers in low-income markets | Teaching elephants to dance: challenges facing commercial insurers entering low-income markets |
| 20 | Theme: Organizational Strategy - Distribution | Source: A study on alternative distribution channels | A motivated distribution channel is good for the insurer… and the client |
| 21 | Theme: Organizational Strategy – Distribution | Source: A study on alternative distribution channels | Distribution channels can focus more on claims |
| 16 | Theme: Client Value | Source: A study on consumer preferences for deductibles and rebates in Kenya | Households indicate a preference for health insurance policies with rebates and no deductibles |
| 54 | Theme: Value-added services | Source: A study on cost and benefit of value-added services in health microinsurance | Dial-a Doctor and value-added services: a cure for low demand for health microinsurance? |
| 37 | Theme: Demand, trust | Source: A study on health insurance participation, Kenya | It’s not that I don’t understand you, I don’t trust you |
| 60 | Theme: Claims processing | Source: A study on how MFIs can improve microinsurance products | MFIs bring claims closer to clients |
| 7 | Theme: consumer education | Source: A study on marketing rainfall insurance in India | Financial education can influence consumer behaviour |
| 18 | Theme: Organizational Strategy - Marketing | Source: A study on migration-linked microinsurance products | Why targeting migrants, and not their families, makes sense |
| 32 | Theme: Partnership management | Source: A study on partnerships in microinsurance | Sales commissions alone don’t ensure success |
| 45 | Theme: Sales force training and incentive | Source: A study on sales force development in microinsurance | Train to a hire level |
| 53 | Theme: Client value | Source: A study on the business case for life microinsurance in the Philippines by MILK (Microinsurance Learning and Knowledge Project) | When simple is actually complex: measuring the financial value of life microinsurance products |
| 28 | Theme: Performance measurement | Source: A study on the business case for microinsurance | Achieving sustainable microinsurance operations is an iterative process |
| 58 | Theme: Health microinsurance | Source: A study on the impact of health microinsurance, Kenya | Health microinsurance reduces borrowing and increases consumption |
| 49 | Theme: Investment behaviour | Source: A study on the impact of insurance and credit on agricultural decisions | Production with protection: evidence of insurance increasing farmers’ investments |
| 41 | Theme: climate change | Source: A study on the implications of climate change on microinsurance | Protecting clients and organizations from climate risks through meso-level coverage |
| 42 | Theme: Technology | Source: A study on the use of technology in microinsurance | Using technology to streamline end-to-end service delivery |
| 56 | Theme: Value-added services | Source: A study on value-added services in health microinsurance | Proximity and access to outpatient care may lead to fewer inpatient claims for insurers |
| 46 | Theme: Organizational strategy | Source: Allianz Life Indonesia, Indonesia | Applying microinsurance innovation to commercial insurance |
| 50 | Theme: Promotion and sales methods | Source: Alternative Insurance Company, Haiti | Beyond slogans: a ten-step planning model to promote microinsurance |
| 62 | Theme: Technology | Source: AMICUS Advisory, India | From 2 months to 25 minutes: leveraging technology and better processes for enrolment |
| 61 | Theme: Distribution | Source: Bradesco Seguros, Brazil and FINO, India | The “multiplier” effect: distributing insurance through banking correspondents |
| 26 | Theme: Product design | Source: Centre International de Developpement et de Recherche (CIDR), Guinea | Product diversification to improve outreach |