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The last brief of Client Value series provides recommendations for policy-makers, regulators and funders on how to create an enabling environment that promotes client value. The insights are based on new impact evidence of microinsurance and the experience of countries where governments and donors are using insurance related interventions to achieve public policy objectives or develop the market. The brief presents ten blueprints to guide government and donor decisions and actions across the three main dimensions 1) insurance promotion through public-private partnerships (PPPs) and subsidies; 2) investment in infrastructure and client education; and 3) regulation and supervision.

Insurance can contribute to a number of public policy objectives, including improving access to health care, increasing food security, and coping with climate change. There is therefore a public policy rationale to invest in the development of efficient insurance markets that provide equitable access to low-income households. Briefing Note #22 presents a framework and lessons from nine subsidized insurance schemes for governments and donors on how to effectively design and implement “smart” subsidies for agriculture and health microinsurance.

This study was partly funded by the German Federal Ministry for Economic Cooperation and Development (BMZ), which promotes insurance approaches within comprehensive systems of social protection and inclusive financial systems.

Insurance can contribute to a number of public policy objectives, including improving access to health care, increasing food security, and coping with climate change. There is therefore a public policy rationale to invest in the development of efficient insurance markets that provide equitable access to low-income households. Microinsurance Paper #29 presents a framework and lessons from nine subsidized insurance schemes for governments and donors on how to effectively design and implement “smart” subsidies for agriculture and health microinsurance.

This study was partly funded by the German Federal Ministry for Economic Cooperation and Development (BMZ), which promotes insurance approaches within comprehensive systems of social protection and inclusive financial systems.