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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Journal Article

The study looks into the role of microinsurance awareness in predicting microfinance entrepreneurs' intentions to purchase microinsurance in Yemen.


This report describes PICAP’s approach towards achieving and mainstreaming gender equality and social inclusion to ensure that women and the most vulnerable are fully represented in climate disaster risk financing products (e.g., parametric insurance).

Case Study

This case study captures a Guatemalan insurance company's journey of offering climate risk microinsurance, including details on the delivery model employed, financial performance, and key learnings.

News & Events

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


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