Insurance Education. Monique Cohen Microfinance Opportunities Alejandra Díaz Fasecolda Fundaseg. Cartagena, Nov. 2008
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1 Insurance Education Monique Cohen Microfinance Opportunities Alejandra Díaz Fasecolda Fundaseg Cartagena, Nov. 2008
2 Global Financial Education Program Core Curriculum Budgeting Savings Debt Management Bank Services Financial Negotiations Specialized Modules Risk Management and Insurance: Protect Your Family s Future! Young People Remittances Consumer Protection
3 Assumptions Risks: frequent and diverse Insured risks are only part of the mix of shocks
4 Risk Managemente and Insurance: Learning Sessions 1 Understanding Risk 6 Understanding Pooled Risk 2 Responding to Risk 7 Introducing Formal Insurance 3 4 React and Recover Save Regulary 8 What you need to know about Insurance 5 Savings and Risk Management 9 Final Questions and Answers
5 Features of The Module Behavior change knowledge, skill and attitudes Components: Trainer s Guide TOT Manual Content Note Implementation Guidance Flexible and adaptable Beyond classroom training
6 Module Development Process Market Research Generic Module Design Generic Module Test Module Refinement Finalize Generic Module Dissemination TOT
7 Colombian Experience: Background Colombia 2006: 20.3 million poor people 5.4 million in extreme poverty. (DNP, 2006) Poor people are more vulnerable to risks. Most have Suffered some serious illness, Experienced unemployment, Faced natural disasters. Poor people adopt inappropriate strategies to cover losses. They decrease consumption of food, a household member starts to work, incurs debts.
8 Colombian Experience: Background The insurance companies are seeking to penetrate the low income segment: Just 8,4% of low income population are insured. Poor people are not aware of insurance as a shocks. mechanism to protect against economic 28% of low SEL, consider insurance to be an unattainable need, 13% regard it as a luxury, and 4% see it as something they do not understand. Fasecolda s research concludes that education is one of the most important issues linked to the demand for insurance and can help to create an insurance culture.
9 Reducing the Impact of a Shock Financial Education Objectives Create Awareness of risks Identify advantages or disadvantages of risk protection and reaction strategies Improve people s risk management Increase insurance knowledge Change perception of insurance
10 Adaptation For Colombia Preliminary Adaptation Training of Clients Market Research New Sessions
11 Focus Groups: Results Meaning of risk - Unexpected situation that disrupts their lives - Emergency, danger Risk - Unemployment and serious illness, risks that may hit their finances most - Death of one parent makes them worry about the future of their sons Strategies Adopted - Borrow money from a friend or relative
12 Focus Groups: Results Insurance - Premium: Benefit they will receive. Claim: Complaint - Lack of information. Insurance is not clear - People confuse social security system with private insurance Training - Issues: Understanding insurance, Claim procedures, policyholders rights - Learning by doing
13 Market Research: Risks They Have Suffered QUEDA DESEMPLEADO ENFERMEDAD DE UN FAMILIAR MUERTE DE UN FAMILIAR ROBAN SU HOGAR ES VÍCTIMA EN UN ACCIDENTE DE TRANSITO SE ACCIDENTE EN EL TRABAJO ACCIDENTA EN EL HOGAR DAÑOS EN EL HOGAR POR INUNDACIÓN ROBEN O SUFRA DAÑOS EN SU VEHÍCULO ROBAN SU NEGOCIO CAUSE DAÑOS A PERSONAS CON SU VEHÍCULO DAÑOS EN EL HOGAR POR TEMBLOR O TERREMOTO DAÑOS EN EL NEGOCIO POR TEMBLOR O TERREMOTO DAÑOS EN EL NEGOCIO POR INUNDACIÓN 27.1% 20.8% 31.7% 9.5% 15.0% 28.0% 10.9% 11.7% 20.7% 14.2% 16.6% 14.5% 10.3% 9.4% 11.8% 7.0% 7.7% 9.5% 7.0% 3.9% 6.8% 5.9% 1.9% 4.2% 2.3% 3.5% 3.6% 2.1% 5.0% 2.5% 0.9% 1.8% 0.7% 1.3% 0.8% 0.3% 0.5% 0.4% estrato 1 estrato 2 estrato % 0% 10% 20% 30% 40% 50% Fuente: FASECOLDA FUNDASEG YANHAAS 2008
14 Fuente: FASECOLDA FUNDASEG YANHAAS 2008 Market Research: How They Covered Their Risks
15 Market Research: Reasons for Savings EMERGENCIAS ESTUDIOS DE LOS HIJOS O PROPIOS COMPRA O MEJORAS A LA VIVIENDA JUBILACIÓN OTROS VACACIONES COMPRA DE VEHICULO O ELECTRODOMESTICOS 18,7% 9,8% 14,1% 15,3% 5,7% 11,5% 14,8% 9,4% 18,7% 2,7% 0,6% 1,5% 2,2% 1,3% 2,9% 1,6% 1,6% 1,0% 0,4% 2,8% estrato 1 estrato 2 estrato 3 NO ESTOY AHORRANDO 44,7% 47,6% 71,1% Fuente: FASECOLDA FUNDASEG YANHAAS % 10% 20% 30% 40% 50% 60% 70% 80%
16 Market Research: Insurance SEGUROS DE VIDA Y ACCIDENTES 1,5% 3,5% 3,3% 8,2% SEGUROS DE VEHICULO Y SOAT 1,6% 0,0% 0,4% 1,2% SEGURO DEL HOGAR 0,2% 1,0% 1,5% 2,7% SEGURO EXEQUIAL 1,1% 1,1% 3,0% 5,2% SEGURO PARA PYMES 0,3% 0,0% 0,3% 0,0% SEGURO DE RIESGOS PROFESIONALES 0,5% 0,0% 0,2% 0,3% TOTAL ESTRATO UNO ESTRATO DOS ESTRATO TRES Fuente: FASECOLDA FUNDASEG YANHAAS 2008
17 Market Research: Why They Do Not Have Insurance? FALTA DE DINERO 23,7% 30,6% 36,1% NO LE INTERESA ADQUIRIRLO 24,5% 26,6% 29,7% ALTOS COSTOS 16,7% 16,3% 16,2% NO SE LO HAN OFRECIDO 8,0% 8,1% 9,5% NO SABE LO QUE ES OTROS NS-NR 5,6% 6,4% 3,7% 3,9% 2,7% 3,9% 5,1% 9,5% 13,5% estrato 1 estrato 2 estrato 3 Fuente: FASECOLDA FUNDASEG YANHAAS 2008
18 Adaptation For Colombia Preliminary Adaptation Training of Clients Market Research New Sessions
19 Colombian Module: New Learning Sessions Understanding Pooled Risk Life Insurance Property Insurance Insurance Co. Operation Life, Burial, Accident, Credit Earthquake Compulsory Insurance Health Social Scheme Traffic Accident, Workers Comp. Health Compulsory Plan (POS)
20 Adaptation For Colombia Preliminary Adaptation Training of Clients Market Research New Sessions
21 Training for Clients: Evaluation It is useful tool to learn how to protect themselves. It raises awareness It provides clear information It changes perceptions about insurance It helps to reflect on their failures and fears The methodology is practical and dynamic
22 Demand Survey: Interest in Learning 5 (Totally Interested) 25% 35% 4 27% 27% 3 18% 21% 2 10% 13% Interested 62% Average 3,7% 1 (Nothing Interested) 10% 14% Interested 52% Average 3,4% Learn About Protection Against Risks Learn About Insurance
23 Demand Survey: How To Learn About Risks & Insurance WORKSHOP 39% T.V. 34% HANDBOOK 21% DVD 20% INTERNET 16% RADIO 9%
24 Demand Survey: When Learn HOURS PER DAY FREQUENCY 1 HOUR 35% DAILY 25% 2 HOURS 41% 2 DAYS PER WEEK 44% 3 HOURS 7% WEEKLY 25% 4 HOURS 8% BIMONTHLY 5% MORE 7%
25 Demand Survey: When Learn FAVORITE DAYS SCHEDULE MONDAY 17% MORNING 28% TUESDAY 13% WEDNESDAY 30% THURSDAY 23% AFTERNOON 52% FRIDAY 18% SATURDAY 21% NIGHT 20% SUNDAY 13%
26 Dissemination Process FUNDASEG SENA Microfinance Inst. Compensation Sis. Cooperatives Microcredit clients Beneficiaries of unemployment benefit Cooperative members
27 For More Information Contact Monique Cohen Microfinance Opportunities Alejandra Díaz Fasecolda Fundaseg
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