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

Maleika, Marc ; Kuriakose, Anne T.

World Bank, Washington, DC

关键词: ACCESS TO INSURANCE;    ADMINISTRATIVE COSTS;    ADVERSE SELECTION;    AGRICULTURAL INSURANCE;    ASSET BASES;   

RP-ID  :  46307

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Microinsurance (MI) can be an effectivecomplement to existing menus of social protection programs.A flexible and powerful instrument, MI reduces vulnerabilityand mitigates the negative effects of external shocks onpoor households. However, MI programs require well-developedinstitutional arrangements in order to run in an efficientand effective manner. Such conditions can be difficult tofind in low-income countries. Social funds can help bridgethis gap, standing as a platform to organize and deliver MIproducts. This social funds innovations note introduces someof the primary design principles behind MI programdevelopment, highlighting cases of best practice, andsuggests how social funds can be used to deliver MI servicesmore effectively to poor households.