Protecting the Poor: A Microinsurance Compendium, Volym 2International Labour Organization, 2006 - 654 sidor 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, wideranging resource that provides the most thorough overview of the subject to date. The book covers the many aspects of microinsurance in detail including product design, marketing, premium collection, and governance. It also discusses various institutional arrangements available for delivery including the community-based approach, insurance companies owned by networks of savings and credit cooperatives, and microfinance institutions. The roles of key stakeholders are also explored and the book offers insightful strategies for achieving the right balance between coverage, costs, and price. Protecting the Poor is essential reading for insurance professionals, practitioners, and anyone involved with offering insurance to low-income persons. |
Innehåll
Introduction | 1 |
27a The partneragent model 405 | 4 |
Defining microinsurance | 12 |
Applying Prahalads Twelve Principles of Innovation for BOP Markets | 17 |
Risks and risk management in Malawi | 31 |
Gabriele Ramm Philippe Marcadent and Valérie SchmittDiabate | 45 |
The extension of social protection through microinsurance in Colombia | 56 |
Microinsurance products and services | 62 |
Great value placed on insurance | 324 |
Improved service enhances retention at VimoSEWA India | 326 |
Selected examples of net income | 328 |
What doomed Confederation Life of Canada? | 329 |
Expense and claims rations for selected schemes | 331 |
Rating of microinsurance schemes An illustration | 334 |
and Zahid Qureshi | 336 |
Case studies that correspond to the cooperative network model | 337 |
BRACs threetier approach to providing health services | 76 |
Stuart Rutherford | 94 |
CARDs foray into annuities | 98 |
Key issues in offering longterm savings and insurance | 103 |
Gloria Almeyda III | 111 |
Life insurance as an alternative to loan protection? | 115 |
CARD MBAs loan protection plus family funeral insurance | 117 |
Different benefit classes for minimummaximum premiums at Yasiru | 121 |
Market coverage of selected voluntary life insurance products | 122 |
Gabriele Ramm | 130 |
Shepherds Sugam Fund | 136 |
VimoSEWAs coverage and price in rupees | 138 |
Craig Churchill | 146 |
Lapses at Delta Life | 156 |
Benefits of LICs Janashree Bima Yojana | 160 |
Benefits from UIICs UniMicro insurance scheme | 162 |
Mass weddings | 163 |
UHC definition of family in Uganda | 164 |
Benefits of La Equidads Amparar microinsurance product | 166 |
Coinsurance and payment ceiling of health microinsurers | 170 |
Benefit amounts at CARD MBA | 172 |
The experience of the South African Insurance Association | 182 |
UMSGFs threetiered marketing strategy | 184 |
Regional differences in Zambia | 186 |
Rolling admission versus annual campaign | 189 |
Marketing checklist for microinsurance managers | 195 |
customer service Michael J McCord Grzegorz Buczkowski | 197 |
Linking insurance premiums to loans | 198 |
Comparison of premium collection modes | 204 |
Flexible premium payments for funeral insurance in South Africa | 206 |
Paying premiums in milk at Yeshasvini | 208 |
Delta Life combining microcredit and microinsurance | 211 |
A case of insufficient documentation in Zambia | 222 |
Beneficiary frustration | 223 |
Requirements for an advance payment at Columna | 226 |
The many stops in claims settlement at Delta Life | 229 |
A sample of claims durations | 230 |
Efficiencies of informal insurance | 231 |
Claims adjustment and HIVAIDS | 232 |
Pricing problems | 239 |
Database design problems | 240 |
Experience of AssEF | 242 |
VimoSEWAs renewal rates | 243 |
VimoSEWAs claims processing | 244 |
Evolution of life mortality rate at VimoSEWA | 247 |
Claims experience of VimoSEWAs child benefit | 252 |
Actuarial reserves and capital defined | 255 |
so Management risk illustrations | 260 |
Potential effect of investment mismatch on CARDs Provident Fund An illustration | 267 |
Richard Leftley | 270 |
How not to do it | 274 |
Criteria in the selection of microagents at TataAIG | 275 |
Frontline staff at CARD MBA | 276 |
TUW SKOKs outsourcing model | 277 |
Average monthly earnings for frontline staff US | 281 |
Commissions on longterm policies at ALMAO and TataAIG | 282 |
What is corporate governance? | 289 |
The four pillars of governance | 290 |
Responsibilities of the board of directors | 292 |
Trust is good but control is better | 297 |
Read the writing on the wall | 300 |
Taking the societal perspective | 309 |
Nonlife and life insurance loss prevention | 311 |
Promoting wellbeing | 312 |
VimoSEWA | 314 |
The Japanese experience | 316 |
Using insecticidetreated bed nets to reduce malariarelated claims | 317 |
Why cooperative insurance suits lowincome markets | 338 |
Insurance products offered by SACCO networks | 347 |
The mutual difference | 353 |
Selling an insurance concept in Ghana | 360 |
Partneragent premium collection checklist | 363 |
ASAs cost per policy | 367 |
ASAs profitloss per policy | 368 |
ASAs onagain offagain relationship with the partneragent model | 370 |
Advantages and disadvantages to the agent compared to selfinsuring | 373 |
Advantages and disadvantages for an insurer | 374 |
Advantages and disadvantages for lowincome policyholders | 375 |
Profiles of initiating organizations of MHOS | 381 |
A variety of membership profiles | 384 |
The target population of the rural MHOS | 385 |
A comparison of premiums and benefits for selected MHOS | 388 |
Union Technique de la Mutualité Malienne | 389 |
Coordination Régionale des Mutuelles de Santé de Thiès | 390 |
Some trends | 392 |
The power of collective action | 399 |
Nkoranza Community Health Insurance Plan | 412 |
Basic motivations and primary interest through the business process | 420 |
Richard Leftley and James Roth | 424 |
Zambuko Trust Zimbabwe | 427 |
VimoSEWAs claims committee | 429 |
Doubell Chamberlain | 439 |
HTG funeral insurance product | 446 |
Retailers and rural areas | 447 |
AFLCIOs Union Privilege Scheme | 448 |
Does selfinsurance provide greater client value? | 459 |
The case of Shepherd India | 461 |
Unleashing the catalytic role of the private sector with public subsidy | 476 |
Providing support through donor guarantees | 477 |
Getting to know the market | 481 |
Illustrations from India | 484 |
Informal insurance in South Africa | 490 |
Formalization of ALMAO | 492 |
Insurance cooperatives in Malawi | 493 |
Capital requirements in Peru | 495 |
Requirements for agents and brokers | 497 |
AIG Uganda | 498 |
Definition of microinsurance in India | 501 |
Roland Lindenthal and Rüdiger Krech | 508 |
The Insurance Ombudsman Sri Lanka | 512 |
Health service providers and mutual health organizations MHOs in Mali | 514 |
Stewardship in GuineaBissau | 516 |
Facilitating links to UNDP in India | 517 |
Subsidizing Yeshasvini Trust | 520 |
ΙΟΙ Africa Re | 522 |
Dror and Thomas Wiechers | 524 |
What do microinsurers get out of reinsurance? | 526 |
A short summary of the social reinsurance model | 538 |
Partnership factors for an insurance or reinsurance company | 541 |
Actuarial reviews of microinsurance schemes | 549 |
SI Advantages and disadvantages of longterm onsite TA support | 550 |
The 7 Cs of technical assistance | 557 |
DID and CIF | 560 |
Michael J McCord and Zahid Qureshi | 583 |
Continuing challenges that limit the expansion of microinsurance | 584 |
Management tools for microinsurance | 589 |
Process automation transforms insurance operations | 592 |
Technological advances in banking services for the poor | 593 |
Description of microinsurance providers | 604 |
About the authors | 620 |
| 626 | |
| 635 | |
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Protecting the Poor: A Microinsurance Compendium, Volym 2 Craig Churchill,Michal Matul,International Labour Office Ingen förhandsgranskning - 2012 |
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