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Microinsurance that works for women:
Making gender-sensitive microinsurance programs -
(pdf 619 KB)
Anjali Banthia, Susan Johnson, Michael J. McCord, Brandon Mathews, Microinsurance Paper nº3, ILO, 2009
Led by the Women's World Banking and the
Zurich Insurance Company,
this research is intended to generate discussion of a
gendered approach to microinsurance. While insurance companies are beginning to design and deliver a variety of products
to the poor, the paper focuses primarily on health and life insurance because these two risks typically are reported to
exert significant financial pressure on poor women. The authors explore how health and life microinsurance could be designed
to more effectively respond to women's needs, and offer practical advice to insurance companies for delivering such
schemes. They conclude with a call to action for insurance companies, delivery channels, researchers and donors to
make insurance more gender-sensitive, which will serve the dual mission of poverty alleviation and profitability.
See also the briefing notes -
(pdf 641 KB) that summarizes the paper.
Technology for microinsurance scoping study -
(pdf 957 KB)
Eric Gerelle and Michiel Berende, Microinsurance paper nº2, ILO, 2008
This study was part of the effort by the CGAP Working Group on Microinsurance (WGMI) and the Microinsurance Innovation
Facility to compile an inventory of information technologies that are or could be applicable in the extension of insurance
services to low-income households. The objective of this study was to catalogue and illustrate existing technologies
applicable to microinsurance.
Literature review on microinsurance -
(pdf 525 KB)
Stefan Dercon and Martina Kirchberger in collaboration with Jan Willem Gunning and Jean-Philippe Platteau,
Microinsurance paper nº1, ILO, 2008
This paper provides a selective overview of the current state of research on microinsurance. Its key purpose is to identify
knowledge gaps, that deserve further investigation. The review is structured along three core issues: the need for careful
evaluation of the impact of microinsurance on the poor, the need to increase our understanding of the nature of the demand for
microinsurance, including dimensions related to trust and the understanding of insurance by the poor, and finally, the need
for further research on supply dimensions, focusing on the key challenges and bottlenecks for widespread and sustainable
provision of microinsurance. For each of these core issues, a brief review of the literature is offered, as well as the
questions that could guide further work, informing the research agenda of the Microinsurance Innovation Facility.
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