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In India, healthcare financing largely relies on direct out-of-pocket spending, which causes immense health-related financial burdens for the poor. Despite recent efforts by the government and the private sector, only 15 percent of the population in India is covered by health insurance. The Micro Insurance Academy (MIA) extends health insurance at the last mile through a bottom-up approach to the design, implementation and management of community-based health insurance. MIA develops an understanding of each community and delivers customized tools and frameworks that build a community's capacity to self-manage micro insurance schemes. MIA bridges the gap between insurers and the bottom of the pyramid by providing advisory support and insurance education to establish insurance schemes. To date, MIA-supported micro insurance schemes cover more than 40,000 people in India and Nepal.

Health Economics & Finance --- Health Insurance --- Health, Nutrition and Population --- Microinsurance

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Ce second volume de Protéger les plus démunis est une collection unique de pratiques récentes et d'idées émergentes en micro-assurance. Il aborde les nombreuses innovations qui ont émergé au cours des dernières années pour répondre aux défis liés à la fourniture d'assurance aux personnes à faible revenu, allant des nouveaux produits et canaux de distribution aux outils d'éducation des consommateurs, tout en examinant les changements réglementaires, les fournisseurs et les régimes. Copublié avec la fondation Munich Re.

Health insurance --- Microinsurance. --- Poor --- Economic aspects. --- Medical care.

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Better insurance against rainfall risk could improve the security of hundreds of millions of agricultural households around the world. However, customers have shown little demand for stand-alone insurance products. This paper theoretically and experimentally analyzes an innovative financial product called a Weather Insurance Savings Account (WISA), which combines savings and rainfall insurance. The paper uses a standard model of intertemporal insurance demand to study how customers' demand for a WISA varies with the amount of insurance offered. A laboratory experiment is then used to elicit participants' valuations of pure insurance, pure savings, and intermediate WISA types. Contrary to the standard model, within-subjects comparisons show that many participants prefer both pure insurance and pure savings to any interior mixture of the two, suggesting that market demand for a WISA is likely to be low. Additional experimental and observational evidence distinguishes between several alternative explanations. One possibility that survives the additional tests is diminishing sensitivity to losses, as in prospect theory.

Agricultural Risk --- Debt Markets --- Emerging Markets --- Financial Intermediation --- Hazard Risk Management --- Index Insurance --- Insurance & Risk Mitigation --- Microinsurance --- Microsavings --- Prospect Theory --- Rainfall --- Wisa

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The sales of goods and services are exposed to a significant number of risks, many of which are not within the control of the supplier. The highest of these risks and one that can have a catastrophic impact on the viability of a supplier, is the failure of a buyer to pay for the goods or services it has purchased. In today's challenged domestic and global economic climate, recognizing and managing future risks has become a priority for businesses. Losses attributed to non-payment of a trade debt or bankruptcy can and do occur regularly. Default rates vary by industry and country from year-to-year, and no industry or company is immune from trade credit risk. The essential value of trade credit insurance is that it provides not only peace of mind to the supplier, who can be assured that their trade is protected, but also valuable market intelligence on the financial viability of the supplier's customers, and, in the case of buyers in foreign countries, on any trading risks peculiar to those countries. As well as providing an insurance policy that matches the client's patterns of business, trade credit insurers will establish the level of cover that can reasonably be provided to the supplier for trade with each individual buyer, by analyzing the buyer's financial status, profitability, liquidity, size, sector, payment behavior and location.

Bankruptcy --- Bankruptcy and Resolution of Financial Distress --- Capital Markets --- Collateral --- Consumer Protection --- Credit Default Swaps --- Credit Insurance --- Debt Markets --- Emerging Markets --- Employment --- Factoring --- Finance and Financial Sector Development --- Financial Crisis --- Financial Institutions --- Financial Sector --- Financial Services --- Housing --- Housing Finance --- Insolvency --- Insurance --- Insurance & Risk Mitigation --- Insurance Industry --- Letters of Credit --- Microinsurance --- Outsourcing --- Private Sector Development --- Profitability --- Reputation --- Risk Assessment --- Risk Management --- Savings --- Treaties

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An inspection is an official examination or review. The term 'onsite' means that the inspection takes place wherever the subject of the inspection happens to be located. In the insurance sector, supervisory authorities perform onsite inspections of insurers and intermediaries. Inspections sometimes extend to other entities that can affect the operations of insurers and intermediaries, such as affiliated companies and providers of outsourced services. A full-scale onsite inspection is a wide-ranging look at the finances and operations of an insurer. It can greatly assist the supervisory authority in arriving at a comprehensive assessment of the insurer's risk profile, viability, and compliance with requirements. Full-scale inspections can consume a lot of supervisory resources. A focused inspection looks at selected aspects of an insurer's finances or operations. They can often be performed more quickly and with fewer resources than a full-scale inspection, which is particular important if a specific supervisory concern has arisen and needs to be investigated. The flexibility to use both full-scale and focused inspections, as the situation may require, enables a supervisory authority to use available resources effectively and efficiently.

Access to Information --- Accounting --- Confidentiality --- Consumer Protection --- Consumers --- Corporate Governance --- E-Business --- Finance and Financial Sector Development --- Financial Institutions --- Financial Regulation & Supervision --- Financial Sector --- Financial Services --- Hazard Risk Management --- Housing Finance --- Insurance --- Insurance & Risk Mitigation --- Insurance Industry --- Marketing --- Microinsurance --- Non Bank Financial Institutions --- Outsourcing --- Private Sector --- Private Sector Development --- Risk Assessment --- Risk Management --- Sanctions --- Savings --- Technical Assistance --- Underwriting --- Urban Development