What are your three aspirations for microinsurance in 2012?
Kicking off the 10 year anniversary celebrations is one of the Three Big Questions. Throughout the year we will ask you three questions regarding your personal perceptions of microinsurance.
Read the "My Three Aspirations for Microinsurance in 2012" by Véronique Faber, Microinsurance Network coordinator.
Tell us your ideas and hopes for microinsurance by adding your comments below!
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Denis Garand from Denis Garand Consulting wrote:
My three aspirations for microinsurance in 2012 are
1) Greater development of local capacity in each country. The best results for microinsurance is to have skilled people in each country that have the knowledge and experience to help expand access to insurance.
2) A greater development of health insurance truly covering people on a sound basis (has not been really done in any country) That is having loss prevention function to help people reduce their real morbidity (This is a rare function even in regular insurance companies), providing real access with quality and efficient services. (Again rarely do we see medical schemes managed to ensure efficient and effective services)
3) A greater use of Key Performance indicators. In my experience, this would be the first thing I would do for any organization that I would visit. This would help focus on the priorities of areas that can be improved.
This is an essential management tool. Having the ability to compare to others also helps management of microinsurance plans to look at how they can improve their effectiveness.
While these may not all be achieved in 2012, taking steps to get there will have a long lasting impact on increasing access to insurance.
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F.X. Hay from Macif wrote:
Microinsurance definition has been quite an exciting debate carrying a lot of hopes.
I wish simply that this 10th anniversary comes with a vivid definition, supported by 3 commitments to serve the masses with social responsibility.
This call could for example involve engage ourselves in :
1- Knowing our customers and their real insurance needs in order to avoid selling useless covers, providing counselling before selling, ensuring that our customers understand the product, its cost and its benefits and the way they are distributed,
2- Making efforts to involve members in preventive behaviours and assessing the social impacts of our role
3- Developing our social responsibility in the financials sharing along the microinsurance value chain from the insured till the shareholder (s).
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Gaby Ramm, independent consultant wishes for:
1) Greater development of local microinsurance capacity (as mentioned by Denis)
2) Constructive Network strategy development process - ensuring the ownership of its members and overcoming the differences between the \"core group\" of Network members and the \"satellites\" of not very active members
3) Find options for approaching individual clients with the same client value information and awareness as group products that are sold by trustworthy organisations in the vicinity of the customers.
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