How the working poor can have access to insurance with only an. A case study of Dengue Fever Insurance in Indonesia
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- Claribel Foster
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1 How the working poor can have access to insurance with only an SMS A case study of Dengue Fever Insurance in Indonesia
2 Why Dengue Fever insurance 410 people diagnosed with dengue fever everyday in Indonesia 4 person will die from dengue fever everyday The worst hit area is in West Jawa and Jakarta; 68 people everyday diagnosed with dengue fever
3 Medical Treatment 5-7days for treatment Cost of treatment around USD (10% of salary) GDP: USD 3,900 Average savings: only 30% have savings plan (Citibank Financial Quotient Survey 2009) Poor are eligible for free medical treatment- but need proof for entitlement
4 Usual way of getting insurance.. Go to agent or insurance company Fill up proposal form Pay premium Wait for policy documents
5 Usual way to claim. After incident. Go to insurers office Fill up claim form Bring along documents Wait for verification Insurers send payment
6 How insurance products distributed in Indonesia. Intermediaries Concentration in bigger cities Not attractive to sell-premium/commission small Direct High acquisition cost Manpower E-commerce Limited internet access Poor and middle class computer usage
7 Conventional Product Health insurance Too complicated A lot of policy and claims administration Personal Accident Need a lot of administration Accessibility Complicated Selection against insurers
8 Solution on Product: Easy to understand (customer friendly) Affordable premium (USD 5 and USD 1) Simple to activate No complicated claims procedure Parametric claims condition Immediate obtain funds to pay for medical treatment
9 Solution on Distribution Channel Using existing network Penetration: 7 out of 10 people in Indonesia have hand phone 3 rd largest mobile phone market after China and India Piggy back on penetration of mobile phone services Low distribution cost Can be activated anywhere
10 Dengue Fever Insurance: How it works? Activation of Cover: Purchase card SMS to activate Receive confirmation from ACA via SMS Claims: Confirmation from doctor with blood test results Proof of Identity Money will be immediately wired to Insured
11 A sample of Dengue Fever Insurance card (voucher prepaid card)
12 Dengue Fever Insurance Booklet Front cover Back Cover
13 Dengue Fever Insurance Card back side Information on how to send SMS ACTIVATION and SMS CLAIM NO. PIN
14 SMS ACTIVATION for adult ACA(space)insured s ID number #insured s Name# #PIN Number#Address Send to 9779 (Telkomsel, Indosat, XL) or (lainnya) Example: ACA #Robert Rich# #Happy Street No. 1, Jakarta
15 SMS ACTIVATION for child ACA(space)parent s ID number #child s Name# #PIN Number#Address Send to 9779 (Telkomsel, Indosat, XL) or (lainnya) Voucher can be handed over to others as a gift for children, grand child, maid, driver, nany, nephew, employee, the orphanage, etc...
16 SMS REPLY - ACTIVATION Dear customer, your Dengue Fever Ins. - Robert Rich PIN will valid from at on15.mar.2011 up to am 15.Mar.2011
17 SMS CLAIM 1. ACA (spasi) CLAIM#PIN No. #insured s name 2. Send to: 9779 (Telkomsel, Indosat, XL) (lainnya) Example: ACA CLAIM# #robert rich You can use others mobile phone to send SMS CLAIM
18 SMS REPLY - CLAIM Dear customer, we have received the claim report of Robert Rich. Our claim officer will soon call you back (Hotline ACA ).
19 Distribution channel Micro Finance (Vision Fund) Presentation to the wives of the fishermen (the working poor) who live at the slum area at Marunda, North Jakarta 20 January 2011
20 Distribution channel - Retail The Indonesian Post Office = outlets in all provinces vouchers sold in 3 months Socialization at Post Office Jl. Kesenian, Jakarta
21 Distribution channel - Retail Indomaret = The largest convenience store in Indonesia with shops mostly in Java Island, Lampung and Medan in store method whereby the customer can buy Dengue Fever Insurance voucher at the cashier and activate the insurance by sending SMS
22 Next step... Other products Catastrophe cover Other channels Cross-selling Mobile internet Blackberry Social Media
23 Future Alternative Distribution Strategy Focus on 4 main areas: 1. SMS/Mobile activation distribution 2. Government initiated micro financing synergy 3. Sarana Tani 4. Private funded micro financing initiatives
24 SMS/Mobile Activation Similar to Dengue Fever Insurance Extend to other products Fire Insurance Accident and Hospitalization classes
25 Government initiated micro financing synergy Growth of micro-financing in Indonesia Government initiative with World Bank Provide micro insurance as a form of risk transfer mechanism Focus on Small and Medium Sized Industries Marketed through the support structure of the micro-financing model
26 Sarana Tani Credit given to farmers by Sarana Tani (Salim Group) For purchase of fertilizer and seeds Credit paid from harvest sold back to Sarana Tani Insurance to cover for credit default due to crop failure
27 Private funded micro financing initiatives Approached by investors from USA and Europe who are actively involved in micro financing Need micro insurance for risk transfer of insurable risk Looking for cost effective insurance activation and claims settlement Parametric insurance
28 Thank you
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