Microinsurance
8 important questions on Microinsurance
What are reasons why poor have low acces to insurance
• Very costly informal mechanisms
• Inefficient government providers
Give the 4 different micro insurance products
Health insurance
• Livestock and crop insurance
• Rainfall insurance/ Index insurance
What is life insurance? could you give some limitations?
limitations:
1) premia often increase if loan size increases. But benefits not since benefit include “fixed-size” payments 2) coverage only during duration of loan › 3) insurance mandatory! This avoids adverse selection, but safe clients (young/healthy) pay for the risky!
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What are the limitations of life stock insurance:
› Difficulty in estimating long term average for crop production (essential to set trigger and premium)
› Slowly picking up, especially in context of greater vertical integration (contract farming)
Mention the advantages and disadvantages of rainfall/index insurance
- Low demand:
• Government / community will give aid during real crisis • Possible low correlation between income and rainfall • Only covers rainfall related losses (base risk)
Give 3 reasons why lending to women could have an advantage from MFI standpoint
Women less mobile
Women more risk averse
Why Targeting women?
Why would one target women and why would one target men for lending? answer by using the social impacts:
Over-represented among the poorest of the poor
› Women’s decisions tend to favor within-household expenditures: more for child health and education
› Skewed intra-household distribution
However: there are indications that lending to men leads to more economic growth! • Higher long-term impact of microfinance
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