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Trends of Microinsurance in India
MicroSave India Focus Note 49, Premasis Mukherjee, August 2010
Developing a strategic perspective towards microinsurance
This note provides an overview of the state of microinsurance in India and based on this, draws the following conclusions:
- Though India has experimented a lot with microinsurance, the sector is still driven by supply-led interventions.
- Moreover, the insurance providers still seek government subsidies and donor funding in order to achieve financial viability instead of designing market-led, sustainable schemes.
The recommendation proposes a strategic perspective towards microinsurance together with innovations in technology and assessment of client demand, which probably holds the key to the future of microinsurance in India.
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