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«Protecting the poor A microinsurance compendium Edited by Craig Churchill Protecting the poor A microinsurance compendium Protecting the poor A ...»

-- [ Page 1 ] --

Munich Re

Foundation

From Knowledge

to Action

International

Labour

Office

Geneva

Protecting the poor

A microinsurance compendium

Edited by

Craig Churchill

Protecting the poor

A microinsurance compendium

Protecting the poor

A microinsurance compendium

Edited by

Craig Churchill

Munich Re

Foundation

From Knowledge

to Action

International

Labour

Office

Geneva

International Labour Office, CH-1211 Geneva, ILO Cataloguing in Publication Data: microSwitzerland insurance, life insurance, health insurance, low www.ilo.org income, developing countries. 11.02.3 in association with Munich Re Foundation Publications of the International Labour Office 80791 München, enjoy copyright under Protocol 2 of the UniGermany versal Copyright Convention. Nevertheless, www.munichre-foundation.org short excerpts from them may be reproduced without authorization, on condition that the Copyright source is indicated. For rights of reproduction © International Labour Organization 2006 or translation, application should be made to First published 2006 the ILO Publications (Rights and Permissions), International Labour Office, CH-1211 Geneva ISBN 978-92-2-119254-1 (ILO) 22, Switzerland, or by email: pubdroit@ilo.org.

Munich Re Foundation order number The International Labour Office welcomes 302-05140 such applications.

Libraries, institutions and other users Cover photo: M. Crozet, ILO registered in the United Kingdom with the Copyright Licensing Agency, 90 Tottenham Printed in Germany Court Road, London W1T 4LP [Fax: (+44) (0)20 7631 5500; email: cla@cla.co.uk], in the United States with the Copyright Clearance Center, 222 Rosewood Drive, Danvers, MA 01923 [Fax: (+1) (978) 750 4470;

email: info@copyright.com] or in other countries with associated Reproduction Rights

–  –  –

This publication benefits from the experiences of microinsurance pioneers around the world. Without their vision and daring, we would not have any experiences or lessons to share. At the risk of omitting some key persons, I would like to acknowledge in particular the efforts of Vijay Athreye, Mirai Chatterjee, Sathianathan Deveraj, Peter Palanisamy and Dr. Devi Shetty (India), Dr. Gerry Noble (Uganda), Aris Alip and John Wipf (Philippines), Shafat Ahmed Chaudhuri and Dr Zafarullah Chowdhury (Bangladesh), Julio Medrano and Martha Bohorquez (Colombia), Grzegorz Buczkowski (Poland), William Bojórquez (Peru), Denis Garand (Canada) and Ted Weihe, Michael McCord and the experts at CUNA Mutual (USA). They are among many pioneers in the field who have sought or are seeking the perfect balance of controls and costs, coverage and price, and accessibility and affordability, to enable the poor to be insured.

This book has been prepared under the auspices of the Microinsurance Working Group of the Consultative Group to Assist the Poorest (CGAP).1 Initiated by the ILO at the 2000 CGAP meeting in Edinburgh, the Working Group includes donors, insurers and other parties interested in coordinating donor activities as they pertain to the development and proliferation of insurance services for low-income households in developing countries. The main activities of the Working Group include developing donor guidelines, commissioning research on key issues, publishing a quarterly newsletter on microinsurance and managing the content of the Microinsurance Focus website.

1 CGAP is a consortium of 33 public and private development agencies working together to expand access to financial services for the poor in developing countries. CGAP was founded by these aid agencies and industry leaders to help create permanent financial services for the poor on a large scale (often referred to as “microfinance”). CGAP’s unique membership structure and network of worldwide partners make it a potent convening platform to generate global consensus on standards and norms. As such, CGAP is a resource centre for the entire microfinance industry, where it incubates and supports new ideas, innovative products, cutting-edge technology, novel mechanisms for delivering financial services, and concrete solutions to the challenges of expanding microfinance (see www.cgap.org).

Acknowledgements xv As one of the Working Group’s research activities, this book is the culmination of a four-year process to understand good and bad practices in providing insurance to the poor. It began with a research project co-financed by DFID, GTZ (commissioned by BMZ), ILO and SIDA, and managed by the ILO. Thanks to their contributions, this project supported the production of 25 case studies of microinsurance operations around the world, which serve as the foundation on which this book is built. On behalf of the Working Group, I would like to thank the management and staff of the institutions analysed for these case studies who allowed us to dissect their products and operations and publicly air their trials and tribulations along the way to providing quality microinsurance products.

The Working Group has been actively involved in the development of this book, especially Michael McCord and Zahid Qureshi, who helped me shape the outline, identify authors and organize their contributions. In addition, Klaus Fischer, Denis Garand, Richard Leftley, Ralf Radermacher, Gaby Ramm, Jim Roth and John Wipf all made significant personal contributions to this book as authors and readers of many of its chapters. It is also important to acknowledge the valuable contribution of Ellis Wohlner, who reviewed many chapters and repeatedly challenged authors to sharpen their analysis, and Jeremy Leach who provided significant conceptual assistance.

More than one hundred people have contributed to the content of this book, directly or indirectly, by writing or reviewing chapters, or writing case studies that serve as the book’s primary source of information. To acknowledge their inputs, each chapter specifies the authors and the reviewers, while Appendix I lists the case studies and their authors. Many contributors volunteered their efforts because of their commitment to improving insurance services for the poor. Dozens of others have helped with the administration, proofreading, layout and typesetting.

This book would not have been possible without the financial, technical and logistical support given by the Munich Re Foundation. Munich Re Foundation and the CGAP Working Group on Microinsurance hosted a conference in 2005 where many of the ideas and experiences were initially presented to a select audience of insurance and microinsurance experts. That forum provided an opportunity to debate ideas and to explore interpretations, significantly enhancing the quality of this output. Munich Re Foundation, especially Dirk Reinhard and Thomas Loster, has also supported the writing, editing, layout and printing of this book.

xvi Acknowledgements

Behind the scenes, Priyanka Saskena provided significant administrative, editorial and technical assistance. Important contributions were also made by Baldwin Beenakkers and Nalina Ganapathi of the ILO’s Social Finance Programme, Rosemary Beattie, Charlotte Beauchamp and May Hofman Öjermark of ILO Publications, and Andrew Lawson and John Brown of Munich Re’s Language Department. The Index was made by John Dawson. Last but not least, I would like to thank Bernd Balkenhol and Sarah Labaree who have allowed me to spend much more time on this project than any of us had anticipated.

Craig Churchill Social Finance Programme Employment Sector, ILO Geneva, Switzerland Table of Acronyms AAC/MIS Americas Association Cooperative/Mutual Insurance Societies AD&D Accidental death and disability ADB Asian Development Bank AFL-CIO American Federation of Labor – Congress of Industrial Organizations AIDS Acquired immunodeficiency syndrome AIG American International Group AIMS Automated insurance management system AKAM Aga Khan Agency for Microfinance ALM asset-liability matching ALMAO All Lanka Mutual Assurance Organization (Sri Lanka) ARDCI Agriculture and Rural Development Center of Catanduanes, Inc. (Philippines) ASA Activists for Social Alternatives (India) ASCA Accumulating savings and credit association AssEF Association d’Entraide des Femmes (Benin) ATM Automatic teller machines BM Bienestar Magisterial (El Salvador) BMZ Federal Ministry for Economic Cooperation and Development (Germany) BOP Bottom of the pyramid BRAC Bangladesh Rural Advancement Committee CARD Center for Agricultural Research and Development (Philippines) CARE Cooperative for Assistance and Relief Everywhere, Inc.



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