Paper

Learning to Insure the Poor: Microinsurance Report 2010

Examining trends and challenges in microinsurance
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This report explores different elements of microinsurance and gives an overview of the global microinsurance market. It presents microinsurance success stories from around the world and identifies challenges for development of the sector.

The report is based on the experiences of Allianz Group in providing microinsurance services and on data from interviews with experts. It discusses the following aspects of microinsurance:

  • Idea and concept of microinsurance;
  • Designing products for low-income populations;
  • Operational aspects, including infrastructure, technology and networking;
  • Sales, marketing and customer education;
  • Scale up and increase in profitability.

The paper depicts the global landscape of microinsurance and points out that developing countries present a huge potential market for microinsurance, as at present the insurance penetration is low. It concludes by highlighting key questions and issues related to the different aspects of microinsurance.

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