Description : Micro health insurance is an emerging concept to reduce poverty and social exclusion and improve health care access. The Handbook of Micro Health Insurance in Africa gives an overview of the challenges and needs in the field of micro health insurance. Focusing on Sub-Saharan Africa, where universal social health protection still has a way to go, the Handbook provides an introduction to the relatively new and promising approach of micro insurance as a risk management tool for low-income households, between the market, self-help, and the state. This book is an output of the project Pro MHI Africa, which is funded by the European Union and directed by the University of Cologne in cooperation with the University of Botswana, the University of Ghana, and the University of Malawi. (Series: Social Protection in Health. Challenges, Needs and Solutions in International Health Care Financing - Vol. 1)
Description : The objective of the research project “Development of a training model in the strengthening of microfinance in Uganda” has been the definition and the dissemination of a training model in the field of microfinance in Uganda. The project can be replicated on a national scale and would have the potential to improve the effectiveness of this sector in order to ultimately reduce financial exclusion. The project achieved main results as follows: organization of a specialized course to improve professional capabilities of local experts working in the field of microfinance in Uganda;implementation of the sustainability to be achieved in terms of microfinance projects’ dissemination by helping the new operators to the introduction of new initiatives in remote areas;improvement of the mobility of trained human resources in order to develop develop a comparative approach to microfinance, in particular to the issue of microinsurance;creation of an internet portal, in both Italian and English, to open an interesting communicative window;improvement of the availability of relevant data in order to assess the progress and the impact of microfinance projects;sharing micro-entrepreneurial experiences that can create positive externalities to further expand productive activities;dissemination of best practices that will improve entrepreneurial skills, fostering greater impact on the socio-economic context. The project results have been collected on three publications, whose contributions have been subjected to a scientific evaluation and approval of the scientific direction: The Socio-Economic Impact of Microfinance: the case of “Wekembe”The Uganda Microinsurance Contest
Description : Risk exposure is a major cause of poverty, deprivation and persistent vulnerability worldwide. This volume analyses individuals' and households' responses to a variety of risks, with an emphasis on health risks. The study adapts the Social Risk Management (SRM) conceptual framework and extends it considerably for academic inquiry. Using household data from Ghana and Malawi, empirical evidence is provided on the complex relationship between high risk exposure and the application of proactive and reactive SRM strategies (inc. health insurance), showing their specific contributions to risk management.
Description : 'Global insurance and its rapidly evolving law and regulation demands international research. To this aim, the Handbook offers a truly international collection of essays. Highly renowned experts analyze the key topics currently under international discussion and development. While representing a diversity of national jurisdictions, the focus lies on the largest insurance jurisdictions (USA, UK and Germany) but newly important jurisdictions like Brazil and China are considered as well a most valuable and important contribution to international insurance law literature.' Manfred Wandt, Director of the Insurance Law Institute, Goethe-University Frankfurt, Germany 'This Research Handbook is published at an opportune time. A global review of insurance law and regulation is underway. Much reform happens locally with little reference to developments elsewhere and this Research Handbook brings the strands together. It is a comprehensive review by distinguished authors from different backgrounds including both leading academics and practitioners. They consider the definitions of insurance, its economic underpinnings, comparative law and regulations, actual and proposed reforms, the effects on underwriting and claims and how insurance is studied and taught. Good laws and regulation benefit the market and its customers. Bad laws and regulation do the opposite. This book is required reading for all involved in the reform process.' David Hertzell, Law Commissioner 'Globalisation has had no greater impact in the commercial world than on insurance, the law which governs it and the risks it seeks to address. Those who inspired this publication and the contributing authors, are to be thanked for providing such a necessary and useful reference source. It covers so much of what insurance professionals need to be aware of in the insurance/law world of the twenty first century.' Michael Gill, President of the International Insurance Law Association Given its economic importance, insurance is a field that has been underserved as an area of academic study. This detailed book provides much needed coverage of insurance law and regulation in its international context. Produced in association with Lloyd's, it draws on the expertise both of academics and practising lawyers. Containing 30 comprehensive chapters, it provides in-depth studies on key areas, such as the role of international organisations, the judicial interpretation of insurance contract clauses and transnational regulatory recognition. It also provides thorough introductions to important jurisdictions, including the EU, US and Japan as well as focusing on newly emerging economies such as China and Brazil. Specialist topics covered include regulation by and of Lloyd's, the tort of bad faith in the US, microinsurance and takaful insurance. This well-documented resource will appeal to academics and students in insurance law and regulation, policymakers and private practice lawyers. The book also aims to stretch the imagination of anyone with an interest in insurance law and regulation, providing detailed analysis and avenues for further investigation.
Description : Healthcare for all at affordable prices is still a major but universally elusive goal. Everyone spends money on healthcare, and it is the most impoverishing consumption item. Thus, most governments (and the United Nations) promote Universal Health Coverage — each country's unique blend of tools for healthcare financing, including taxes, subsidies and market controls.Most people in low- and middle-income countries (LMICs) have no health insurance of any kind. And most LMIC governments lack the political will, information, or resources to require their citizens to buy health insurance themselves or to subsidize insurance for all who cannot afford the price. This book deals with financing voluntary and contributory health insurance for resource-poor and rural groups in LMICs.This book addresses three issues. The first is how to catalyse demand for health insurance and develop insurance literacy among the largely illiterate and innumerate target population, using training programs to build an enabling consensus, allowing locals to create and administer such schemes. The second involves the process of developing simplified methods for risk assessment, which can help to underwrite risks, price the micro health insurance schemes, and ensure proper implementation. The third issue is formulating a compelling business case which would make this health insurance affordable, financially sustainable, and operationally scalable.This book develops insurance education and financial literacy for students of economics, business administration, insurance, development studies, and social work to prepare them for practical work as implementers, policymakers, or evaluators. A supplementary section for teachers and students includes comprehension questions.
Description : Handbook of Microfinance addresses the gap between clients who are benefiting from access to financial services via MFIs, and the potential market, which remains underserved or untapped. This gap can be attributed to a "mismatch" between what consumers, or potential clients, demand and what MFIs offer in terms of financial products. The scope of the book is wide. It includes successes and failures, main challenges and debates, methodologies for impact evaluation via random trials, leading trends in Asia versus Latin America, main efforts in Africa, the importance of value chains in Central America, ethical and gender issues, savings, microinsurance, governance, commercialization trends and the potential advantages and disadvantages of it. Lastly it features main lessons from informal finance and 19th-century credit cooperatives addressing the above-mentioned mismatch.
Description : Handbook of International Insurance: Between Global Dynamics and Local Contingencies analyzes key trends in the insurance industry in more than 15 important national insurance markets that represent over 90 percent of world insurance premiums. Well-known academics from Europe, the Americas and Asia examine their own national insurance markets, including the competitive structure, product and service innovations, and regulatory developments. The book provides academics and executives with an unprecedented range of information about today’s insurance markets. This book also provides important 'new' information on the evolution of the financial sector worldwide and comprehensive chapters on reinsurance, Lloyd’s of London, alternative risk transfer, South and East Asian insurance markets, and European insurance markets. Setting the stage is an overview chapter by the editors focusing on overall conclusions on globalization.
Description : Coverage of publications outside the UK and in non-English languages expands steadily until, in 1991, it occupies enough of the Guide to require publication in parts.