Insurance helps people manage unexpected events in return for payments proportional to the likelihood and level of a specific risk. Though poor households often face greater risks than the rest of the population, they have less access to formal insurance to protect themselves against these risks, which may include the death of the family breadwinner, severe or chronic illness in the family, or the loss of an asset, including livestock and housing.

As microfinance institutions expand beyond credit to a broader array of financial products, they are becoming more interested in offering clients insurance products in partnership with insurance companies. While commercial insurers provide the majority of the world’s products, mutual, cooperative, and other community-based or community-led insurance organizations are emerging as microinsurance providers. The greatest challenge for microinsurance schemes is finding the right balance between adequate protection and affordability to deliver real value to the insured.

What can you find in this Topic Hub?

Curated by FinDev editors, this Topic Hub offers you access to key resources contributed by organizations around the world who work on the topic of microinsurance. Our latest blogs and publications on this topic are featured here (in the Resources Tab above), and you can find a collection of papers, case studies and guides to explore further. When there are upcoming webinars, events and recent news on this topic, they will be featured in the Topic Hub as well, so make sure to come back regularly for the latest on this topic. Finally, we’ve selected some key additional resources, which are listed on the right here, where you can learn even more about this topic.

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This brief presents ten lessons from banks, microfinance institutions and existing experiences of insurers in establishing and using agent networks.


This podcast episode features a Typhoon Rai survivor and the insurance provider that helped her rebuild her home. It explores the changing role of insurance and other financial services in climate change mitigation and adaptation.


This brief explores an insurance product designed to cover the main risks such as theft, fire, earthquakes and civil liability against third parties faced by SMEs in Peru.

News & Events

The latest news and upcoming events and training from the global financial inclusion community on this topic.


New Parametric Microinsurance Products Launched to Cushion Impact of Climate Change in Fiji

Reducing Climate Risks - AFC Assists Malagasy to Insure Themselves Against Income Losses

Mi Siembra Segura: Parametric Insurance to Protect Vulnerable Rural Communities in Colombia, With UNDP

IFC Invests in Sekura to Improve Access to Insurance in Mexico