Microinsurance : Extending Pro-Poor Risk Management through the Social Fund Platform

• Tác giả: Marc Maleika
• Ngôn ngữ: eng
• Ký hiệu phân loại: 368.4 Government-sponsored insurance
• Thông tin xuất bản: World Bank, Washington, DC, 2012
• Bộ sưu tập: Tài liệu truy cập mở
• ID: 295328
• Chủ đề: 1. ACCESS TO INSURANCE; 2. ADMINISTRATIVE COSTS; 3. ADVERSE SELECTION; 4. AGRICULTURAL INSURANCE; 5. ASSET BASES

Tóm tắt

Microinsurance (MI) can be an effective complement to existing menus of social protection programs. A flexible and powerful instrument, MI reduces vulnerability and mitigates the negative effects of external shocks on poor households. However, MI programs require well-developed institutional arrangements in order to run in an efficient and effective manner. Such conditions can be difficult to find in low-income countries. Social funds can help bridge this gap, standing as a platform to organize and deliver MI products. This social funds innovations note introduces some of the primary design principles behind MI program development, highlighting cases of best practice, and suggests how social funds can be used to deliver MI services more effectively to poor households.