Literature Review on Microinsurance

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MICROINSURANCE PAPER No. 1

LITERATURE REVIEW ON MICROINSURANCE
Stefan Dercon*^ and Martina Kirchberger* in collaboration with Jan Willem Gunning^ and Jean-Philippe Platteau^ *Oxford University ^European Development Research Network (EUDN)

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LITERATURE REVIEW ON MICROINSURANCE

MICROINSURANCE PAPER No. 1

Copyright © International Labour Organization 2008 First published 2008 Publications of the International Labour Office enjoy copyright under Protocol 2 of the Universal Copyright Convention. Nevertheless, short excerpts from them may be reproduced without authorization, on condition that the source is indicated. For rights of reproduction or translation, application should be made to ILO Publications (Rights and Permissions), International Labour Office, CH-1211 Geneva 22, Switzerland, or by email: pubdroit@ilo.org. The International Labour Office welcomes such applications. Libraries, institutions and other users registered with reproduction rights organizations may make copies in accordance with the licences issued to them for this purpose. Visit www.ifrro.org to find the reproduction rights organization in your country.

ILO Cataloguing in Publication Data Dercon, Stefan; Kirchberger, Martina; Gunning, Jan Willem; Platteau, Jean Philippe Literature review on microinsurance / Stefan Dercon and Martina Kirchberger in collaboration with Jan Willem Gunning and Jean-Philippe Platteau ; International Labour Office. - Geneva: ILO, 2008 33 p. (Microinsurance paper ; no.1) ISBN: 9789221330459 (web pdf) International Labour Office microinsurance / literature survey 11.02.3

October 2008

ILO Cataloguing in Publication Data

The designations employed in ILO publications, which are in conformity with United Nations practice, and the presentation of material therein do not imply the expression of any opinion whatsoever on the part of the International Labour Office concerning the legal status of any country, area or territory or of its authorities, or concerning the delimitation of its frontiers. The responsibility for opinions expressed in signed articles, studies and other contributions rests solely with their authors, and publication does not constitute an endorsement by the International Labour Office of the opinions expressed in them. Reference to names of firms and commercial products and processes does not imply their endorsement by the International Labour Office, and any failure to mention a particular firm, commercial product or process is not a sign of disapproval. ILO publications and electronic products can be obtained through major booksellers or ILO local offices in many countries, or direct from ILO Publications, International Labour Office, CH-1211 Geneva 22, Switzerland. Catalogues or lists of new publications are available free of charge from the above address, or by email: pubvente@ilo.org Visit our website: www.ilo.org/publns

LITERATURE REVIEW ON MICROINSURANCE

MICROINSURANCE PAPER No. 1

PREFACE
The primary goal of the International Labour Organization (ILO) is to contribute with member States to achieve full and productive employment and decent work for all. The Decent Work Agenda comprises four interrelated areas: respect for fundamental worker’s rights and international labour standards, employment promotion, social protection and social dialogue. Broadening the employment and social protection opportunities of poor people through financial markets is an urgent undertaking. Housed at the ILO’s Social Finance Programme, the Microinsurance Innovation Facility seeks to increase the availability of quality insurance for the developing world’s low-income families to help them guard against risk and overcome poverty. The Facility, launched in 2008 with the support of a grant from the Bill & Melinda Gates Foundation, supports the Global Employment Agenda implemented by the ILO’s Employment Sector. Research on microinsurance is still at an embryonic stage, with many questions to be...
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