Micro or Mass insurance, this interesting question arose during this month’s Innovation Forum. The forum had Rupalee Ruchismita talking about Micro Insurance, explaining the concept, providing an eloquent presentation mesmerizing the house full of audience. She is the Executive Director and Founding Head of the Centre for Insurance and Risk Management at IFMR, an action research technical group, engaged in providing micro insurance and risk management expertise to the development sector. The Centre, other than health, focuses on safety net services for livelihood risks (agriculture, livestock and fishery), micro pensions, disaster management services, financial literacy and training challenges of the sector.
Taking the context of South Asia, Ruchismita explains the significance of insurance while targeting population as the bottom of the pyramid, which leads explaining effective ways to protect low-income clients against financial risks and the factors affecting it. The slides of her presentation and few of her write-ups have been shared through the following links:
ADDRESSING VULNERABILITY THROUGH MICROINSURANCE (power point slides)
WHAT IS A HEALTH CARD WORTH? AN EVALUATION OF AN OUTPATIENT HEALTH INSURANCE PRODUCT IN RURAL INDIA
INSIGHTS FROM INDIA: MICROINSURANCE SUCCESS
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