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Scale: Thinking big

Microinsurance Paper #:



  Scale: Thinking big


Mia Thom, The Centre for Financial Regulation & Inclusion
Jeremy Gray, The Centre for Financial Regulation & Inclusion
Zani Müller, The Centre for Financial Regulation & Inclusion
Jeremy Leach, Bankable Frontiers Associates

Date of Publication:

  March 2014


Achieving scale is a significant success factor for microinsurance schemes, as low premiums with high costs require substantial volumes to make an initiative sustainable; however to achieve scale is difficult.

In an effort to identify lessons that support practitioners, the ILO’s Microinsurance Innovation Facility commissioned the Centre for Financial Inclusion and Regulation (Cenfri) to review microinsurance initiatives that have achieved scale  to identify and understand their trends and drivers in scale. Microinsurance Paper #30 analysed 95 Initiatives that achieved scale and evaluated 8 case studies in detail to understand what drives scale.

To learn more about the eight in depth case studies included in this paper, click here for Scale: Thinking big - Case studies.

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