Microinsurance
www.microlinks.org/fs/insurance

While poor people often improve their financial positions with microcredit, they easily fall back into poverty as soon as they face a financial crisis such as the death of a breadwinner, payment of essential health care costs, or the loss of productive assets. Microinsurance can help low-income households better manage the many risks they face and protect their gains. Unlike microcredit, which initially depended on donors to bring significant pools of funds to develop, maintain and expand microfinance institutions, microinsurance is being pushed by the commercial insurance industry and has been expanding and evolving rapidly.

A loan officer enrolls a farmer in Opportunity International Bank of Malawi’s weather insurance program. Photo: OIBM

USAID’s Microenterprise Development office seeks to provide information that helps explain the opportunities of microinsurance, the international lessons learned, and practical means for implementing microinsurance projects. To help meet these learning objectives, a Microinsurance Note series was developed to provide an introduction and overview of key topics in microinsurance with links to resources that allow for greater exploration. For more on this research, please click here.

> Full Resource Listing

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Documents

Note from Malawi: Weather Insurance Mitigates Risk    Note from Malawi.pdf     Publication Date   4/6/2006      
Good and Bad Practices Case Study #21: Almao and Yasiru, Sri Lanka        Publication Date   01/2006      
Health Microinsurance: A comparative analysis of three examples in Bangladesh        Publication Date   09/2005      
La Equidad Seguros Colombia        Publication Date   9/2005      
Good and Bad Practices Case Study #14: TATA-AIG Life Insurance Company Ltd. India        Publication Date   09/2005      
HIV/AIDS and Microinsurance in the Microfinance Sector in Africa    Rapport AFMIN English.pdf     Publication Date   05/01/2005      
An Update on the Lessons Learned from the Working Group on Microinsurance        Publication Date   04/2005      
MUSCCO: Malawi Union of Savings and Credit Cooperatives        Publication Date   03/2005      
Delta Life -- Bangladesh: CGAP Working Group on Microinsurance        Publication Date   02/2005      
Experiences in Micro-insurance: Report on ProVention Consortium International Workshop        Publication Date   10/22/2004      
Insurance Against Poverty: Book by Stefan Dercon        Publication Date   11/1/2004      
TYM's Mutual Assistance Fund - Vietnam        Publication Date   6/1/2004      
TUW SKOK- Poland: CGAP Working Group on Microinsurance Case Study No. 2        Publication Date   5/1/2004      
Good and Bad Practices Case Study #1: Serviperu        Publication Date   4/1/2004      
Preliminary Donor Guidelines for Supporting Microinsurance        Publication Date   10/8/2003      
Identifying Good and Bad Practices in Microinsurance        Publication Date   2/2003      
Mutual Health Insurance: 5 Years of Experience in West Africa        Publication Date   01/2002      
A Cautionary Note for MFIs and Donors Considering Developing Microinsurance Products    a_cautionary_note_for_microfinance_institutions.pdf     Publication Date   12/1/2000      
Research on the Risk and Vulnerability of Rural Women in Nepal: Part 2    cmf_insurance_report_part_2.pdf     Publication Date   12/1/2000      
Research on the Risk and Vulnerability of Rural Women in Nepal: Part 1    cmf_insurance_report_part_1.pdf     Publication Date   12/1/2000      

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