Microinsurance Reading List

Title

Summary

Language

Year

Microinsurance Note 1: What is Microinsurance? USAID

Read it (external link).

This is the first in a series of Microinsurance Notes to be published on microLINKS. Ten upcoming Notes will provide an introduction to the main issues, including delivery channels, product development, health and life insurance, etc.

English

2006

Microinsurance-A Brief History.
Microinsurance Network

Read it (external link).

Microinsurance is generally, but inaccurately, referred to as a new concept, at first appearing as a new financial service within microfinance but increasingly becoming an independent approach.  In fact, it is only the term - Microinsurance, Micro-Insurance or Micro Insurance - that is fairly new. A brief history of microinsurance.

English

2008

Protecting the poor - A Microinsurance compendium. Churchill, Craig.

Read it.

This authoritative compendium brings together the latest thinking of leading academics, actuaries, and insurance and development professionals in the microinsurance field. The result is a practical, wide-ranging resource which provides the most thorough overview of the subject to date.

English, Français, Español

2006

Présentation du dossier thématique Micro-assurance
Le Portail Microfinance

View the website (external link).
 

Ce dossier est destiné à tous ceux qui souhaitent comprendre ce qu’est la micro-assurance ; il s’adresse en particulier aux institutions de microfinance, qui voient dans les produits de micro-assurance de nouveaux services à offrir à leurs clients. Thémes divers :

1. FAQ - Micro-assurance
2.  Les produits de la Micro-assurance
3. Les différents modèles d’intervention
4.  Les acteurs de la micro-assurance
5. Les repères techniques de la micro-assurance
6. Les indicateurs clés de performance :
7. La réglementation
8. Quelques recommandations aux IMF
9. Le Groupe de Travail du CGAP sur la Micro-assurance
10. Le Glossaire synthétique  
11. Liens utiles
12. Pour en savoir plus   

Français,

Landscape of Microinsurance on 100 Poorest Countries 2007. 
Liber, McCord, Roth.

Read it (external link).

This publication from The MicroInsurance Centre provides a description of how microinsurance works, as well as the results of a landscape study (detailed quantitative overview) of microinsurance in the world's 100 poorest countries.

English

2007

What is a Microinsurance Scheme?
ILO-GIMI
Read it.

Questions and overview on microinsurance topics.

English, Français, Español

2008

360 Risk Insight Report: Insurance in Developing Countries: Exploring Opportunities in Microinsurance.
Lloyd’s.

Read it (PDF).

Produced by Lloyd’s and the MicroInsurance Centre, this report sets out the understanding, mechanisms
and partnerships needed to deliver insurance to three billion low income individuals across the globe, and
how this will bring benefits to both the developing world and the insurance industry.

English

2009

The Landscape of Microinsurance in Africa-Briefing note.
Michal Matul, Michael J. McCord, Caroline Phily, and Job Harms

Read it (PDF).

Brief provides quantitative knowledge of
the landscape of microinsurance in Africa.

English, Français, Español

2009

An Anatomy on Demand Side Perspectives of Micro Insurance.
Rengarajan, V

Read it (external link).

This paper presents demand side perspectives of microinsurance and suggests remedial measures for effective outreach to excluded people. 

English

2009

The Good and Bad Practices in Microinsurance    
Various authors
CGAP Working Group on Microinsurance
2004 Visit the website (external link).

The Good and Bad Case Studies comprise of more than 20 case studies, published from 2004 to 2006. The case studies cover a wide range of institutional models, product types and regions, with a focus on challenges and lessons learnt.

No. 1, ServiPeru: Peru
No. 2, TUW SKOK: Poland
No. 3, TYM's Mutual Assistance Fund: Vietnam
No. 4, CARD MBA: The Philippines
No. 5, Columna: Guatemala
No. 6, Lessons Learnt the Hard Way
No. 7, Delta Life: Bangladesh
No. 8, MUSCCO: Malawi
No. 9, AIG: Uganda
No. 10, Madison: Zambia
No. 11, TA for the Promotion of Microinsurance
No. 12, La Equidad Seguros Colombia
No. 13, Health Insurance - A Comparative Study in Bangladesh
No. 14, TATA-AIG Life Insurance Company Ltd.: India
No. 15, Microinsurance and MFIs - Evidence from India
No. 16, VimoSEWA: India
No. 17, UMSGF: Guinea
No. 18, A Comparison of Four Health Schemes: Latin America
No. 19, Karuna Trust, Karnataka: India
No. 20, Yeshasvini Trust, Karnataka: India
No. 21, Almao and Yasiru: Sri Lanka
No. 22, Association d’Entraide des Femmes: Benin
No. 23, UTM: Mali
No. 25, MAFUCECTO
Other languages:
No. 1, ServiPeru: Peru (pdf Spanish)
No. 5, Columna: Guatemala (pdf Spanish)
No. 12, La Equidad Seguros Colombia (pdf Spanish)
No. 25, MAFUCECTO: Togo (pdf French)

English, Français, Español

2004

Typology of Microinsurance Provision.
Micro Insurance Academy
Read it (External Link).

Discusses four main methods for offering microinsurance. The community-based model, the partner-agent model, the provider-driven model, and the full-service model. Then discusses their own advantages and disadvantages.

English

2008

La Micro-assurance.
Marc Nabeth

Cet ouvrage est destiné aux à tout ceux qui croient (ou ne croient pas encore) que la micro-assurance n'est pas l'assurance de demain, mais bel et bien une assurance d'aujourd'hui.

Français

2006

The Poor and Their Money
An essay about financial services for poor people. Stuart Rutherford

Read it (PDF).

Provides a wealth of empirical observations into an analysis of how microfinance institutions (MFIs) can operate
more effectively and how they might develop products that more adequately meet the needs of the market that they seek to fill.

English

1999