Download or read book The Potential of Microinsurance for Social Protection written by Yvonne Deblon and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many informal sector employees in developing and emerging countries lack access to reliable forms of social protection: They cannot afford to buy private insurance, they are not covered by social insurance, and they are not entitled to social assistance. Therefore, micro-insurance schemes have built up in many countries to fill the gap and reduce the vulnerability of people in the informal sector. The question is how much micro-insurance can do in this regard: To what degree can micro-insurance contribute to close the gap in social protection coverage in developing and emerging countries? And is it always the best instrument to close the gap? Or are other instruments more effective and efficient in this regard - for example the extension of social insurance or social assistance coverage? The article argues that a systemic perspective on social protection is crucial for analysing the potential of micro-insurance. Micro-insurance is no substitute for social transfers, which are financed by taxes and intended to support the most poor and vulnerable in society. In addition, it is normally not superior to social insurance (especially regarding risks such as illness, old age etc.) as long as both instruments are realistic options, i.e. where there is both, a political will and the necessary capability of the state to build up efficient and equitable social insurance schemes for low-income households. Nevertheless, the potential for micro-insurance is huge in most developing countries because many governments lack the political will or the capabilities to establish public social protection schemes. Many others are also not able to provide comprehensive social protection against every negative effect of all relevant risks for each and every household in a country. And micro-insurance can always be an effective instrument to cover risks that are not coverered by public social insurance schemes.

Download or read book Protecting The Poor A Microinsurance Compendium written by Craig Churchill and published by Academic Foundation. This book was released on 2008 with total page 688 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Grassroots Social Security in Asia written by James Midgley and published by Routledge. This book was released on 2011-03-17 with total page 187 pages. Available in PDF, EPUB and Kindle. Book excerpt: Grassroots Social Security in Asia investigates the role of mutual associations in providing income protection to low-income people in Asia and in particular the region's developing countries. Historically, these associations have consisted of small groups of people with common interests who save regularly to support, maintain and supplement their incomes. Members make regular contributions to a communal fund which is used to provide income protection when they experience financial hardship. This book is the first to comprehensively document the activities of mutual associations and their microinsurance programs in Asia where these programs are especially well developed. It provides a number of important case studies that provide detailed information about mutual associations in different parts of the region, covering South Asia, Sri Lanka, Thailand, Mongolia, Indonesia and the Philippines. The case studies offer important insights into the potential of mutual associations to offer effective income protection and how their activities can contribute to the formulation of comprehensive and effective grassroots social security strategies in the developing world that make a tangible contribution to the goal of poverty eradication and the improvement of standards of living. This book will be of interest to policy makers, academics and students in the fields of Asian studies, Social security studies and development studies.

Download or read book Handbook of Micro Health Insurance in Africa written by Hans Jürgen Rösner and published by LIT Verlag Münster. This book was released on 2012 with total page 489 pages. Available in PDF, EPUB and Kindle. Book excerpt: Micro health insurance is an emerging concept to reduce poverty and social exclusion and improve health care access. The Handbook of Micro Health Insurance in Africa gives an overview of the challenges and needs in the field of micro health insurance. Focusing on Sub-Saharan Africa, where universal social health protection still has a way to go, the Handbook provides an introduction to the relatively new and promising approach of micro insurance as a risk management tool for low-income households, between the market, self-help, and the state. This book is an output of the project Pro MHI Africa, which is funded by the European Union and directed by the University of Cologne in cooperation with the University of Botswana, the University of Ghana, and the University of Malawi. (Series: Social Protection in Health. Challenges, Needs and Solutions in International Health Care Financing - Vol. 1)

Download or read book Microinsurance and Social Protection for Workers in the Informal Sector in Indonesia written by Sirojudin Sirojudin and published by . This book was released on 2013 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contemporary social policy and development literature has recognized microinsurance as a new and promising avenue for extending social protection coverage to workers in the informal sector in developing countries. However, emerging research on the subject has focused narrowly on the roles of commercial insurance and community-based microfinance institutions and the relationships between the two. The roles of government in promoting community-based microinsurance have not been sufficiently examined. Drawing from a case study by the Asuransi Kesejahteraan Sosial (ASKESOS), which can be translated as the Social Welfare Insurance Program (SWIP), this dissertation argues that government can contribute to the development of community-based microinsurance. In addition to the institutional aspects, this study also reveals that microinsurance can have social protections as well as social developmental effects. Initiated since 1996, SWIP was implemented under the sponsorship of the Ministry of Social Affairs of the Republic of Indonesia in partnership with Community-Based Organizations (CBOs). While the Ministry provides a social investment block grant and legal support, the CBOs are responsible for implementing SWIP at the community level. A qualitative case study design was used in which open-ended interviews were conducted with managers of 17 CBOs that implemented SWIP between 2003 and 2008 in West Java Province, Indonesia. Data collection procedures also included observations and document analyses. This dissertation presents several key findings. The first finding suggests that SWIP has become part of a broader social protection reform in Indonesia during the last decade. SWIP policy emulates the predominant approach in the contemporary development and poverty reduction policies in Indonesia that emphasize local-level initiatives and community-based participations. Furthermore, contrary to other microinsurance models supported by private insurance corporations that utilize CBOs solely as marketing channels, the relationship between the Ministry of Social Affairs and CBOs is more dynamic and mutualistic in the form of creating two-levels of patron-client relationships. SWIP enables the Ministry of Social Affairs to recreate and sustain patron-client relations with CBOs on one level and reinforces patron-clients relations between CBOs with local communities on the other. Instead of avoiding elite capture, the implementation of SWIP leverages the privileged position of the CBOs within the community. Respondents also reveal that previous relationships between the CBOs and the Ministry of Social Affairs were more important in determining the CBOs' participation in the program than their expertise in running microinsurance activities. Regarding social protection, eleven out of 17 SWIP managers perceived that SWIP was effective and somewhat effective. The remaining respondents believed that SWIP was not effective in reducing the risks and vulnerabilities of the members. Nevertheless, although the amount of benefits (sickness, injury and survivor) were considered inadequate, respondents believed that SWIP has enabled CBOs to promote social development through facilitating access to microcredit and saving programs and supporting members to invest in both human and social capital. These productive economic activities were supported by 50% of social investment block grant they received from the Ministry of Social Affairs. However, the relatively small size of the grant put several CBOs in a difficult situation because the return on their investments barely covered administrative costs associated with running SWIP. The study recommends that SWIP needs to pay more attention to the organizational and financial capabilities of the CBOs as well as on the size of the social investment block grant if it is to enhance both its social protection and social development impact. Effective use of participatory evaluation at the local level could provide useful insights, particularly when linked to wider national level outcome studies. It is also important that SWIP becomes more fully integrated with national efforts to expand social protection to the population as a whole and to address the challenges facing informal sector workers in the country. In turn, these programs need to be implemented and integrated with the government's antipoverty strategy.].

Download or read book Handbook on Social Protection Systems written by Schüring, Esther and published by Edward Elgar Publishing. This book was released on 2021-08-27 with total page 777 pages. Available in PDF, EPUB and Kindle. Book excerpt: This exciting and innovative Handbook provides readers with a comprehensive and globally relevant overview of the instruments, actors and design features of social protection systems, as well as their application and impacts in practice. It is the first book that centres around system building globally, a theme that has gained political importance yet has received relatively little attention in academia.

Download or read book Building Security for the Poor written by United Nations Development Programme. Regional Centre in Colombo. Human Development Unit and published by UN. This book was released on 2007 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reducing poverty requires not just the generation of income among the poor, but also the protection of these incomes. Microinsurance offers innovative new ways to combat poverty in India through helping the rural poor systematically manage financial risks to their livelihoods and lives. The microinsurance industry is poised to take off, just as microcredit did a decade ago: 90 percent of the Indian population some 950 million people are not covered by insurance and represent an untapped market of nearly US$2 billion. This enormous missing market is ready for customized life and non-life insurance, but first, serious mismatches between the needs of the insured and the insurers must be overcome, pitting priorities against profits. This study strategically points to the numerous emerging opportunities for energising the rural insurance market, building on robust economic growth, increasing numbers of rural entrepreneurs and recent insurance regulations. Conclusions are based on new evidence from three states in India each with a population the size of some countries which also has policy relevance across the Asia-Pacific region and beyond. The study presents recommendations to realise the potential of this latent market.

Download or read book Improving the Social Protection of the Urban Poor and Near poor in Jordan written by and published by . This book was released on 2001 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Microinsurance in Rwanda written by Jana Steverding and published by . This book was released on 2017 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Third Way to Social Protection written by Markus Loewe and published by . This book was released on 2013 with total page 19 pages. Available in PDF, EPUB and Kindle. Book excerpt: When governments want to improve the social protection of their citizens, they usually try either to extend the coverage of public social insurance or assistance schemes or to promote commercial savings or insurance products. A third possibility only rarely used is to promote self-help groups that are already in place in very many countries all over the world. Such groups organise risk prevention, joint saving, risk diversification and insurance, although their members are often relatively poor. Many big insurance companies in industrialised countries also go back to such kinds of mutual insurance initiatives. But most insurance groups in developing countries today need support to become more efficient. Governments and donors can help them by imparting skills, promoting networking among them, providing financial support; helping them build up arbitration facilities; and liberalizing NGO and association laws.

Download or read book Financing Social Protection written by Michael Cichon and published by International Labour Organization. This book was released on 2004 with total page 702 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication considers the range of financing options available for the design of cost-effective and equitable social welfare systems, giving a thorough analysis of their advantages and disadvantages and their financial and economic implications. Written by practitioners for practitioners, the book discusses the design and maintenance of national social protection systems that seek to ensure effective and efficient use of available resources at the community, national and international levels while supporting long-term economic development. The book explores theoretical and practical policy questions, as well as looking at the policy process that determines the affordable levels of and scope of social protection in a given country.

Download or read book Community based Rehabilitation written by World Health Organization and published by . This book was released on 2010 with total page 452 pages. Available in PDF, EPUB and Kindle. Book excerpt: Volume numbers determined from Scope of the guidelines, p. 12-13.

Download or read book Protecting the Poor 3 The social protection perspective on microinsurance written by Craig Farren Churchill and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Comprises a collection of papers on the provision of microinsurance to the poor by focusing on life and health insurance.

Download or read book Social Protection for Informal Workers in Asia written by Sri Wening Handayani and published by Asian Development Bank. This book was released on 2016-12-01 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication examines the need to expand social protection coverage of the informal sector to support working age productivity, reduce vulnerability, and improve economic opportunity. Case studies from Bangladesh, the People's Republic of China, India, Indonesia, Pakistan, the Philippines, and Thailand offer suggestions to close social protection gaps and recommend policy solutions to create equitable and inclusive social protection programs for informal workers.

Download or read book The Role of Microinsurance for Social Protection in India written by Gaby Ramm and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Contributing to the Fight Against HIV AIDS Within the Informal Economy written by ILO Strategies and Tools against Social Exclusion and Poverty Programme and published by . This book was released on 2002 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Insurance Distribution Directive written by Pierpaolo Marano and published by Springer Nature. This book was released on 2021 with total page 439 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access volume of the AIDA Europe Research Series on Insurance Law and Regulation offers the first comprehensive legal and regulatory analysis of the Insurance Distribution Directive (IDD). The IDD came into force on 1 October 2018 and regulates the distribution of insurance products in the EU. The book examines the main changes accompanying the IDD and analyses its impact on insurance distributors, i.e., insurance intermediaries and insurance undertakings, as well as the market. Drawing on interrelations between the rules of the Directive and other fields that are relevant to the distribution of insurance products, it explores various topics related to the interpretation of the IDD - e.g. the harmonization achieved under it; its role as a benchmark for national legislators; and its interplay with other regulations and sciences - while also providing an empirical analysis of the standardised pre-contractual information document. Accordingly, the book offers a wealth of valuable insights for academics, regulators, practitioners and students who are interested in issues concerning insurance distribution.--