"Promoting Microinsurance Through Education"
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- Alison Riley
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1 "Promoting Microinsurance Through Education"
2 Why we need to study MICROINSURANCE The MARKET is DIFFERENT The PROVISIONS have to be different The DISTRIBUTION SYSTEM has to be different We can easily lose money if we do it wrongly!
3 Five characteristics of the low-income market 1. Lower, more irregular and more unpredictable incomes 2. Less access to infrastructure and services 3. Greater vulnerability to risk 4. Little experience with insurance 5. Socioeconomic networks that differ from those used by insurers
4 Low-income households need risk management solutions that are: Affordable Accessible Appropriate Simple Responsive Can be financed with available cash flows Available in locations and through processes that are convenient and low-stress Respond to priority needs with relevant benefits and few exclusions Easy to understand and use Provide a timely and reliable response to shocks and helpful answers to client queries
5 For characteristic #1: How to make insurance products affordable? For characteristic #2: How to make the purchase of insurance easy for those with little education? How to collect premiums and pay claims using infrastructure that is accessible to the market? For characteristic #3: What Priority Products to offer? How to protect insurers from the low-income market s greater vulnerability to risks? For characteristic #4: How to explain what insurance is and how it works? How to communicate the value of insurance? How to build trust? For characteristic #5: How to understand this market? How to contact potential clients? How to communicate in a language they will understand?
6 THE GOOD NEWS IS.. WE CAN LEARN FROM THE MISTAKES OF OTHERS WE CAN ALSO LEARN FROM THE SUCCESSES OF OTHERS THERE ARE INSTITUTIONS WHO HAVE PERFECTED THE SCIENCE AND ART OF TEACHING MICROINSURANCE.
7 INSURANCE INSTITUTE FOR ASIA AND THE PACIFIC, INC. 26 th Floor, Ayala Life FGU Center 6811 Ayala Avenue, Makati City, Philippines On August 7, 1974 Presidential Decree No. 530 was signed granting charter to the Insurance Institute for Asia and the Pacific, Inc. or IIAP as a non-stock, nonprofit corporation that primarily provides educational training programs in insurance in the Asia Pacific. Formerly known as the Asian Institute of Insurance, we were one among four centers appointed in April 1979 at the Round Table Meeting in Bangkok., Thailand to elevate the field of insurance and reinsurance to higher standards, particularly among developing countries.
8 The Philippines Microinsurance Situation 162 microinsurance products for 42 commercial companies (18 life, 24 nonlife), at least 21 products for microinsurance MBAs as of licensed as microinsurance agents (48 rural banks, 122 individuals) as of 2014 Approximately 30 million microinsurance policies and certificates issued in 2015.
9 MEMORANDUM OF UNDERSTANDING BETWEEN INSURANCE INSTITUTE FOR ASIA AND THE PACIFIC AND THE INTERNATIONAL LABOUR ORGANIZATION S IMPACT INSURANCE FACILITY
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12 MODULES Introduction to business case Market research Pricing Crafting customer value proposition Promotion Managing distribution Improving bancassurance Managing partnerships Claims management Designing simple health products Financial key performance indicators for microinsurance
13 Our training approach We employ a needs-based approach to identifying and building our training modules, We focus on experiential and engaging learning methods in delivering training sessions, and We work in partnership with local training institutes such as Trisakti to reach practitioners who need training the most Our monitoring and assessment systems are in place to ensure that the quality of our training is continuously improved.
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15 YOGYAKARTA WORKSHOP WAS ATTENDED BY 70 PARTICIPANTS FROM 10 COUNTRIES!
16 ASEAN Managers microinsurance course in Yogyakarta, Indonesia, from 22 to 24 November 2016 Attended by 70 Insurance Practitioners from Asian countries (Indonesia, Philippines, Malaysia, Bangladesh, Brunei, Cambodia, Vietnam among others). The course offered insights on target market customers, product development process, distribution channels, viability and sustainability.
17 The course builds on the wealth of knowledge that the ILO Facility has generated in its years of research in microinsurance across 35 developing countries. This was complemented by the experience of the Insurance Institute for Asia and the Pacific (IIAP) in building capacity in the Philippines and the ASEAN region. The participants appreciated the interactive nature of the training as well as the variety of professional backgrounds which encouraged discussions.
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20 MAIN SUBJECT AREAS 1. Introduction to Microinsurance. 2. Understanding the Microinsurance market. 3. Designing valuable products for the lowincome market. 4. Responsible insurance, consumer education and promotion. 5. Managing Microinsurance distribution and partnerships. 6. Making Microinsurance viable. 7. The way forward.
21 METHODOLOGY The course is guided by adult learning principles which utilize global cases, lessons and participant experiences, processed using highly interactive and engaging activities, with lectures kept at minimum. All modules are practice-oriented to ensure that participants complete the training with practical insights and ideas that they can test immediately after. To help participants identify their actionable points, an Action Planning Tool is embedded and filled in by participants at key periods throughout the course.
22 Any Questions?
23 Thank You! SEE YOU OR YOUR STAFF IN AUGUST
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