Case Studies

• CGAP CGAP Working Group on Microinsurance: Good and Bad Practices Case Studies
  These case studies cover a wide range of institutional models, product types and regions, with a focus on challenges and lessons learnt. They are managed by ILO's Social Finance Programme on behalf of the CGAP Working Group on Microinsurance with the support of SIDA, DFID, and GTZ. Click here for an overview of the case studies sorted by product types, delivery models and countries and here for an overview of the abstracts.
• MicroSave: Microinsurance Case Studies
  These case studies review some organisations offering microinsurance products with a focus on product development and implementation of these models as well as lessons learnt.
• Other Case Studies
  More in-depth examinations and analyses of microinsurance programmes and schemes that provide valuable information for anyone interested in this topic.

CGAP Working Group on Microinsurance: Good and Bad Practices Case Studies

• MAFUCECTO, Good and Bad Practices Case Study No. 25; (French)
  Togo - Life insurance - (Oct 2006) - Tremblay, C., Quirion, M., Langlois, S. & Klutsé, F.
• No. 24 - Union des Mutuelles de Dakar (available soon)
• L'Union Technique de la Mutualité Malienne, Good and Bad Practices Case Study No. 23
  Mali - Health insurance - (Aug 2006) - Fischer, K., Sissouma, I. & Hathie, I.
• Association d’Entraide des Femmes, Good and Bad Practices Case Study No. 22
  Benin - Life insurance - (Feb 2006) - Guerin, O.
• ALMAO and YASIRU, Good and Bad Practices Case Study No. 21
  Sri Lanka - Life insurance, AD&D, funeral and hospitalisation - (Jan 2006) - Enarsson, S. & Wirén, K.
• Yeshasvini Trust, Good and Bad Practices Case Study No. 20
  India - Health insurance - (Nov 2005) - Radermacher, R., Wig, N., Putton-Rademaker, O., Müller, V. & Dror, D.
• Karuna Trust, Karnataka, Good and Bad Practices Case Study No. 19
  India - Health insurance - (Dec 2005) - Radermacher, R., Putten-Rademaker, O., Müller, V., Wig, N. & Dror, D.
• Health Microinsurance: A Comparison of Four Publicly-run Schemes, Good and Bad Practices Case Study No. 18
  Latin America - Health insurance - (Nov 2005) - Holst, J.
• L'Union des Mutuelles de Santé de Guinée Forestière, Good and Bad Practices Case Study No. 17; (French)
  Guinea - Health insurance - (Oct 2005) - Gautier, B., Boutbien, A. & Galland, B.
• VimoSEWA, Good and Bad Practices Case Study No. 16
  India - Integrated, health, life and asset coverage - (Oct 2005) - Garand, D.
• Microinsurance and Microfinance Institutions - Evidence from India, Good and Bad Practices Case Study No. 15
  India - Credit life, death and disability, hospitalisation and asset - (Sep 2005) - Roth, J., Churchill, C., Ramm, G. & Namerta
• TATA-AIG Life Insurance Company Ltd, Good and Bad Practices Case Study No. 14
  India - Endowment, term life - (Sep 2005) - Roth, J. & Athreye, V.
• Health Microinsurance - A Comparative Study of Three Examples in Bangladesh , Good and Bad Practices Case Study No. 13
  Bangladesh - Health insurance - (Sep 2005) - Ahmed, M., Islam, S., Quashem, M. & Ahmed, N.
• La Equidad Seguros, Good and Bad Practices Case Study No. 12 (Spanish)
  Colombia - Life and disability - (Sep 2005) - Almeyda, G. & Jaramillo, F.
• Technical Assistance for the Promotion of Microinsurance - The Experience of Opportunity International, Good and Bad Practices Case Study No. 11
  Global - Credit life, term life, property insurance - (Jun 2005) - Leftley, R.
• MADISON Insurance, Good and Bad Practices Case Study No. 10
  Zambia - Credit life, funeral insurance - (May 2005) - Manje, L.
• AIG, Good and Bad Practices Case Study No. 9
  Uganda - Credit life, AD&D - (Apr 2005) - McCord, M., Botero, F., & McCord, J.S.
• MUSCCO: Malawi Union of Savings and Credit Cooperatives, Good and Bad Practices Case Study No. 8
  Malawi - Credit life, life savings - (Mar 2005) - Enarsson, S. & Wirén, K.
• Delta Life, Good and Bad Practices Case Study No. 7
  Bangladesh - Endowment - (Feb 2005) - McCord, M.J. & Churchill, C.
• Lessons Learnt the Hard Way, Good and Bad Practices Case Study No. 6
  Global - Various products - (Jan 2005) - ICMIF
• COLUMNA, Good and Bad Practices Case Study No. 5;(Spanish)
  Guatemala - Various products, life insurance for the low-income market - (Dec 2004) - McCord, M. & Buczkowski, G.
• CARD MBA, Good and Bad Practices Case Study No. 4
  Philippines - Credit life, term life, disability, provident fund (long term savings, not insurance) - (Dec 2004) - McCord, M. & Buczkowski, G.
• TYM's Mutual Assistance Fund, Good and Bad Practices Case Study No. 3
  Vietnam - Credit life and funeral - (Jun 2004) - Tran, N, & Yun, T.
• TUW SKOK, Good and Bad Practices Case Study No. 2
  Poland - Deposit insurance, AD&D, savings completion, apartment insurance - (May 2004) - Churchill, C. & Pepler, T.
• ServiPeru, Good and Bad Practices Case Study No. 1; (Spanish)
  Peru - Health services and Funeral services - (Apr 2004) - Rodriguez, M. & Miranda, B.

These case studies are synthesized in Protecting the Poor: A Microinsurance Compendium.

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MicroSave: Case Studies

• Self-Employed Women's Association (SEWA), A MicroSave Case Study of an Example of the Full Service Model of Microinsurance Provision
  India - Health insurance - (Feb 2001) - McCord, M. J., Isern, J. & Hashemi, S.M.
• GRET Cambodia, A MicroSave Case Study of an Example of the Provider Model of Microinsurance Provision
  Cambodia - Health insurance - (Jan 2001) - McCord, M. J.
• UMASIDA, A MicroSave Case Study of an Example of the Mutual Model of Microinsurance Provision
  Tanzania - Health insurance - (Dec 2000) - McCord, M. J.
• NHHP/FINCA Uganda - Healthcare Financing Plan, A MicroSave Case Study of an Example of the Partner-Agent Model of Microinsurance Provision
  Uganda - Health insurance - (Dec 2000) - McCord, M. J.

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Other Case Studies

• ANIDASO Microinsurance Product Impact Study (CARE Ghana)
  Ghana - Impact Study - (2006) – Sync Consult Limited
• Learning from Micro Insurance for SHGs of Pragathi Gramin Bank Chitradurga Unit (PGBCU) in Karnataka (GTZ)
  India - Life insurance, health insurance - (Dec 2005) – Kanitkar, A.
• ANIDASO Insurance Policy for Low-income Market Segment in Ghana (CARE Ghana)
  Ghana - Product Design & Development - (2004) – Sagoe, P., Markowski, P. & Lawson, L.
• Brief Technical Report on Swasthyapurna Mutual Health Fund (GTZ)
  India - Health Insurance - (Feb 2004) - Leist, H. & Radermacher, R.
• Microinsurance in Uganda: A Case Study of an Example of the Partner-Agent Model of Microinsurance Provision - AIG/FINCA Uganda - Group Personal Accident Insurance (MicroSave)
  Uganda - Accident Insurance - (Dec 2000) - McCord, M. J.
• Experimenting with a Micro-health Insurance System in Cambodia: The EMT Example (GRET)
  Cambodia - Health insurance - (2000)
• Health Insurance for Informal Sector: A Case Study of Gujarat (Economic and Political Weekly Journal)
  Gujarat - Health insurance - (Sep 2000) - Gumber, A. & Kulkarni, V.
• Self-Employed Women's Association (SEWA) - Social Security Program (ILO)
  India – Health insurance, assets insurance, life insurance, maternity benefit – (2000) - Hauck, K.

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