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Contact us at info@microinsurancenetwork.org Or apply online at: www.microinsurancenetwork.org/member
Become a member of the Microinsurance Network
• Gain access to peers
• Share your expertise
• Receive invitations to exclusive events
• Stay informed
• Shape the Microinsurance Network agenda
How to Join?
Connect. Participate. Influence
Welcome! We will begin shortly…
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Housekeeping Items
Today’s Expert Forum is scheduled to last 1 hour including Q&A
To ensure the highest quality of experience participants will be muted
Slides and a recording of this presentation will be circulated laterWe will also aim to address any questions left unanswered via email
Message the Microinsurance Network via Q/A for any technical issues
QUESTIONS can be submitted via the CHAT feature => selection chosen(time permitting)
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EXPERT FORUM
Champions in Microinsurance: How to improve performance?
November 9, 2-3pm CET
www.microinsurancenetwork.org
MICROINSURANCE NETWORK
The global platform for insurance in emerging markets
Connect. Participate. Influence
> 90
INSTITUTIONS
300
EXPERTS
> 40
COUNTRIES
Highlight the role of insurance for development Advocate for fair and proportionate regulation Promote the microinsurance business case Engage the insurance industry
www.microinsurancenetwork.org
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
www.microinsurancenetwork.org
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 LaudePresident and CEO CARD Pioneer Microinsurance Inc.Philippines
www.microinsurancenetwork.org
Geric LaudeCARD Pioneer Microinsurance Inc.Philippines
www.microinsurancenetwork.org
Sagip Plan
Geric LaudeCARD Pioneer Microinsurance Inc.Philippines
www.microinsurancenetwork.org
Geric LaudeCARD Pioneer Microinsurance Inc.Philippines
Sagip Planclaims ratio
76% 71%
178%
48%
2012 2013 2014 2015
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Geric LaudeCARD Pioneer Microinsurance Inc.Philippines
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)
www.microinsurancenetwork.org
Geric LaudeCARD Pioneer Microinsurance Inc.Philippines
www.microinsurancenetwork.org
Geric LaudeCARD Pioneer Microinsurance Inc.Philippines
MLIFE ZAMBIA
Agnes ChakontaManaging Director MLife insurance companyZambia
www.microinsurancenetwork.org
Agnes ChakontaMLifeZambia
www.microinsurancenetwork.org
Agnes ChakontaMLifeZambia
www.microinsurancenetwork.org
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
Agnes ChakontaMLifeZambia
Taxi and Bus Associations
Banks and MFIs
Enterprise association
Workers Unions
www.microinsurancenetwork.org
Funeral Planclaims ratio
Agnes ChakontaMLifeZambia
14%
19%17% 17%
21%
2012 2013 2014 2015 2016
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Funeral PlanGrowth ratio
Agnes ChakontaMLifeZambia
5,764 13,728
75,703
154,151 154,775
2012 2013 2014 2015 2016
www.microinsurancenetwork.org
Agnes ChakontaMLifeZambia
DISCUSSION
www.microinsurancenetwork.org
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
www.microinsurancenetwork.org
JOIN US:
12th International Microinsurance Conference Colombo, Sri Lanka
Champions in Financial Performance Management
November 17, 11am IST
Join the Champions in MI initiative:
Apply via abianchessi@microinsurancenetwork.org or bert.opdebeeck@brs.coop
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Thank you for your participation!
Contact us at info@microinsurancenetwork.org Or apply online at: www.microinsurancenetwork.org/member
Become a member of the Microinsurance Network
• Gain access to peers
• Share your expertise
• Receive invitations to exclusive events
• Stay informed
• Shape the Microinsurance Network agenda
How to Join?
Connect. Participate. Influence
THANK YOU for your PARTICIPATION
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