Welcome! We will begin shortly… - Microinsurance Network · Source: Microinsurance Landscape Study, Microinsurance Network, 2016 Bert Opdebeeck BRS –Belgian Raiffeisen Foundation

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EXPERT FORUM

Champions in Microinsurance: How to improve performance?

November 9, 2-3pm CET


MICROINSURANCE NETWORK

The global platform for insurance in emerging markets


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300

EXPERTS

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Highlight the role of insurance for development Advocate for fair and proportionate regulation Promote the microinsurance business case Engage the insurance industry


Champions in Microinsurance:How to improve performance?

Bert OpdebeeckMicroinsurance Programme CoordinatorBRS - Belgian Raiffeisen FoundationBelgium

Agnes ChakontaManaging Director MLife insurance companyZambia

Geric LaudePresident and CEO CARD Pioneer Microinsurance Inc.Philippines

Speakers

Moderator


26%(2013)

79%(2012)

32%(2014)

Aggregate claims ratios reported

by region

Source: Microinsurance Landscape Study, Microinsurance Network, 2016

Bert OpdebeeckBRS – Belgian Raiffeisen FoundationBelgium

23%

44% 40%

103%

69%

25%

44%

22%33%

20%

52%

24%

91%

32%36%24% 16% 15%

53%

26%0

90%

121%

79% 81%

59%

79%

Credit Life Life PA Health Property Ag Overall

Africa (2011)

Africa (2014)

LAC (2013)

Asia (2012)

N/AN/A

by product type

MICROINSURANCE LANDSCAPE STUDIES

www.microinsurancenetwork.org ‹#›www.microinsurancenetwork.org www.microinsurancenetwork.org

250 claims ratios reported

0%

20%

40%

60%

80%

100%

120%

140%

5,000 50,000 500,000 5,000,000Africa (2014) Latin America (2013)

Bert OpdebeeckBRS – Belgian Raiffeisen FoundationBelgium

MICROINSURANCE LANDSCAPE STUDIES

CARD PIONEER MICROINSURANCE



Geric LaudeCARD Pioneer Microinsurance Inc.Philippines


Sagip Plan




Sagip Planclaims ratio

76% 71%

178%

48%

2012 2013 2014 2015



Sagip Plangrowth ratio

218,750

291,701

341,368 383,565

number of insured

40% 33%17% 12%

55%39%

68%

197%

2012 2013 2014 2015

growth ratio (enrollments)

growth ratio (premiums)





MLIFE ZAMBIA



Agnes ChakontaMLifeZambia




Dignity

Ubuntu

Dignity

Dignity

Low-wage earners e.g. Casual workers, Teachers, Civil

Servants etc.

Low-wage earners

Micro - Entrepreneurs

Drivers

Dignity Family Insurance Plan


Taxi and Bus Associations

Banks and MFIs

Enterprise association

Workers Unions


Funeral Planclaims ratio


14%

19%17% 17%

21%

2012 2013 2014 2015 2016


Funeral PlanGrowth ratio


5,764 13,728

75,703

154,151 154,775

2012 2013 2014 2015 2016



DISCUSSION


Champions in Microinsurance:How to improve performance?

Bert OpdebeeckMicroinsurance Programme CoordinatorBRS - Belgian Raiffeisen FoundationBelgium



Speakers

Moderator


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Welcome! We will begin shortly… - Microinsurance Network · Source: Microinsurance Landscape Study, Microinsurance Network, 2016 Bert Opdebeeck BRS –Belgian Raiffeisen Foundation