Cover Image


Insight Report: Microinsurance - Tapping an Unconventional Market

出版商 Timetric 商品編碼 330586
出版日期 內容資訊 英文 37 Pages
Back to Top
小額保險:非傳統市場開拓 Insight Report: Microinsurance - Tapping an Unconventional Market
出版日期: 2015年05月20日 內容資訊: 英文 37 Pages

小額保險產業大部分在開發中國家開始,需要非常理解各國的文化、商務環境的多樣性。現在,全球市場由亞洲各國佔80%,南美各國佔15%,非洲各國佔5%。亞洲參加小額保險的用戶最多,2012年達到1億7040萬人。在非洲,雖然南非的喪葬保險和撒哈拉以南非洲各國的MMI (行動小額保險) 成長,但整體覆蓋率仍非常低。與使用補助金、政府基金、捐款營運的亞非市場不同,南美的小額保險以民間保險公司為主體。


第1章 摘要整理

第2章 圍繞小額保險的全球形勢

  • 主要趨勢
  • 威脅與課題

第3章 小額保險動態

  • 小額保險的供應鏈
  • 經營模式
  • 商品
  • 消費者的分類
  • 小額保險的商務案例可行性

第4章 在小額保險發展中政府、NGO所扮演的角色

  • 政府
  • NGO (非官方機構)

第5章 小額保險市場參與企業的創新商業慣例

  • 行動裝置使接觸目標客戶群組成為可能
  • 新技術引進使經營效率改善
  • 由於無線標籤 (RFID) 晶片的利用,抑制保險詐欺索賠
  • MMI (行動、小額保險):新的經營模式
  • 忠誠型商品,擴大銷售額和提高知名度

第6章 案例研究

  • R4:對氣候變動的風險管理之小額保險方面的配合措施
  • Typhoon Haiyan:在災害風險管理上小額保險所扮演的角色
  • Sarve Shakti Suraksha:透過大眾行銷擴大規模
  • Seguros Futuro:回國、匯款流通管道的小額保險所扮演的角色

第7章 附錄


Product Code: IS0761MR

Timetric's 'Insight Report: Microinsurance - Tapping an Unconventional Market' analyzes the growth of microinsurance globally, and the threats and challenges it faces. Most microinsurance businesses are generated from developing countries; it is therefore important to understand the cultural diversity and business environments in Latin America, Asia and Africa. Asia accounts for 80% of the global microinsurance industry, followed by Latin America and Africa with 15% and 5% respectively, according to ILO and Munich Re. Asia had the highest number of people with microinsurance cover, at 170.4 million in 2012. Despite the rising penetration of funeral insurance in South Africa and mobile microinsurance (MMI) services in the Sub-Saharan African (SSA) market, overall microinsurance coverage is still very low in Africa. In Latin America, growth in microinsurance coverage is led by commercial insurers, unlike Asia and Africa, where markets are driven by subsidies, government funds and donors.

The report also discusses the dynamics of microinsurance business, providing insights into the microinsurance supply chain, business models, microinsurance products and the targeted consumer. Insurers are considering microinsurance as a long-term growth strategy in new and potentially high-growth markets. Insurers are increasingly collaborating with government agencies, non-government organizations (NGOs) and development organizations to create a market for microinsurance.


Timetric's 'Insight Report: Microinsurance - Tapping an Unconventional Market' covers detailed analysis of the global microinsurance industry as a source of growth for insurers. It provides:

  • Insights into the key global market trends in the microinsurance industry.
  • Evaluation of microinsurance as a business case for commercial insurers.
  • Insights into different microinsurance business models.
  • Detailed analysis of microinsurance coverage, and supply and demand of microinsurance products.


  • This report analyzes the coverage of the global microinsurance industry, along with key trends.
  • This report provides an insight into the threats and challenges in the global microinsurance industry.
  • This report discusses product and technological innovations by microinsurers to increase operational efficiency and microinsurance coverage.
  • This report also provides an understanding of target consumers of microinsurance.

Reasons To Buy

  • Understand current developments in the global microinsurance supply chain.
  • Develop an insight into how microinsurers use distribution channels to reach target consumers.
  • Gain understanding of the governments' and NGOs' roles in developing microinsurance, and how commercial insurers can collaborate with NGOs and governments to penetrate the microinsurance market.
  • Gain an insight into best practices and strategy to build scale and increase commercialization in microinsurance.

Table of Contents

1. Executive Summary

2. Global Landscape of Microinsurance

  • 2.1. Key Trends
  • 2.2. Threats and Challenges

3. Dynamics of Microinsurance

  • 3.1. Microinsurance Supply Chain
  • 3.2. Business Model
  • 3.3. Products
  • 3.4. Consumer Segmentation
  • 3.5. Viability of Microinsurance as a Business Case

4. Roles of Governments and NGOs in Developing Microinsurance

  • 4.1. Governments
  • 4.2. NGOs

5. Innovative Practices by Microinsurance Participants

  • 5.1. Mobile Devices Increase Microinsurers' Ability to Reach Target Group
  • 5.2. Adoption of Technology to Improve Operational Efficiency
  • 5.3. Use of Radio Frequency Identification (RFID) Chip to Minimize Fraud Claims
  • 5.4. MMI - An Emerging Business Model
  • 5.5. Loyalty-Based Products Drive Scale and Increase Insurance Awareness

6. Case Studies

  • 6.1. R4 - Microinsurance Initiative to Manage Risk against Climate Change
  • 6.2. Typhoon Haiyan - Role of Microinsurance as a Disaster Risk Management
  • 6.3. Tigo Kiiray - Introduction of MMI Using Freemium Business Model
  • 6.4. Sarve Shakti Suraksha - Building Scale through Mass Marketing
  • 6.5. Seguros Futuro - Microinsurance Capitalizing on Repatriation and Remittances Channel

7. Appendix

  • 7.1. Methodology
  • 7.2. Contact Timetric
  • 7.3. About Timetric
  • 7.4. Timetric's Services
  • 7.5. Disclaimer

List of Tables

  • Table 1: Index Based Agricultural Insurance Schemes
  • Table 2: Global Microinsurance Supply Chain, 2015
  • Table 3: Microinsurance Distribution Channels
  • Table 4: Discrete Business Models - Microinsurance
  • Table 6: Subsidies in Microinsurance Schemes
  • Table 7: MNO Infrastructure and Supply Chain Efficiency

List of Figures

  • Figure 1: Overview of Key Global Microinsurance Industries
  • Figure 2: Asia, Africa and Latin America - Growth of Mobile Microinsurance Volume, (2007-2014)
  • Figure 3: Conventional Business Models in Microinsurance
  • Figure 4: Microinsurance Opportunities at the Base of Pyramid
Back to Top