Protecting the Poor - a Microinsurance Compendium

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Munich Re
Foundation
From Knowledge
to Action
International
Labour
Office
Geneva

Protecting the poor
A microinsurance compendium
Edited by
Craig Churchill

Protecting the poor
A microinsurance compendium

Protecting the poor
A microinsurance compendium
Edited by
Craig Churchill

Munich Re
Foundation
From Knowledge
to Action
International
Labour
Office
Geneva

International Labour Office, CH-1211 Geneva,
Switzerland
www.ilo.org
in association with
Munich Re Foundation
80791 München,
Germany
www.munichre-foundation.org
Copyright
© International Labour Organization 2006
First published 2006
ISBN 978-92-2-119254-1 (ILO)
Munich Re Foundation order number
302-05140
Cover photo: M. Crozet, ILO
Printed in Germany

ILO Cataloguing in Publication Data: microinsurance, life insurance, health insurance, low income, developing countries. 11.02.3
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Contents

Acknowledgements
Table of Acronyms
Introduction
Part 1 Principles and practices

xiv
xvii
1
11

1.1
1
2
3

What is insurance for the poor? (Craig Churchill)
Defining microinsurance
The two faces of microinsurance
What a difference three words make

12
12
15
22

1.2
1
2
3
4
5

The demand for microinsurance (Monique Cohen and Jennefer Sebstad) Managing risk
The importance of understanding the demand for microinsurance Current coping strategies: Strengths and weaknesses
Opportunities for microinsurance
Conclusion

25
26
29
30
37
44

1.3 The social protection perspective on microinsurance (Christian Jacquier, Gabriele Ramm, Philippe Marcadent and Valérie Schmitt-Diabate) 1 Introduction
2 What is social security? What is...
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