Micro insurance and the interface between insurers and insured households: an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Abschlussarbeit Buch |
| Sprache: | English |
| Veröffentlicht: |
Basel
Univ. of Basel, Dep. of Geography, Urban and Regional Studies
2012
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| Schriftenreihe: | Basel development studies
4 |
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XVIII, 254 S. Ill., graph. Darst., Kt. |
| ISBN: | 9783796528934 |
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| adam_text | Titel: Micro insurance and the interface between insurers and insured households
Autor: Saalfrank, Claudia
Jahr: 2012
Table of Contents
Foreword by the editor...................................................................................VI
Acknowledgements...................................................................................................IX
Executive Summary..................................................................................................XI
Glossary and Acronyms........................................................................................XIV
List of Figures..........................................................................................................XV
List of Tables..........................................................................................................XVI
List of Boxes.........................................................................................................XVIII
List of Maps..........................................................................................................XVIII
Part I - Introduction, Theoretical Background and Case Study.........l
1 Micro Insurance for Reducing Poverty...........................................................3
1.1 Introduction..........................................................................................................3
1.2 Conceptual background and objective.................................................................6
1.3 Relevance.............................................................................................................9
1.4 Hypotheses and research questions....................................................................10
1.5 Data and methodological approach....................................................................12
1.6 The case study....................................................................................................13
1.7 The structure of the thesis..................................................................................14
2 Micro Insurance and Institutions....................................................................17
2.1 Micro finance.....................................................................................................18
2.1.1 The role of micro finance in development.................................................18
2.1.2 Micro finance and NGOs in India.............................................................19
2.1.3 Micro finance challenges...........................................................................20
2.2 The concept of micro insurance.........................................................................21
2.2.1 Micro insurance products.........................................................................22
2.2.2 Micro insurance delivery: the Partner-Agent Model................................25
2.2.2.1 The Full-Service Model and the Community-Based Model.........25
2.2.2.2 The Partner-Agent Model.............................................................26
2.2.3 Opportunities of micro insurance..............................................................29
2.2.4 Excursus: Risk profile and risk management of uninsured households .... 32
2.2.4.1 Risk profile of uninsured households...........................................33
2.2.4.2 Uninsured household s knowledge and attitude towards
insurance......................................................................................35
2.2.4.3 Willingness to pay and affordability............................................37
2.2.4.4 Risk management strategies of uninsured households..................37
2.2.4.5 Conclusion of uninsured households............................................40
2.2.5 Challenges in offering micro insurance....................................................41
2.2.6 Research on micro insurance....................................................................43
2.3 Institutions and development.............................................................................45
2.3.1 Institutions.................................................................................................46
2.3.2 Institutions in India...................................................................................47
2.3.3 Institutions involved in micro insurance delivery.....................................48
2.4 Summary of micro insurance and institutions....................................................49
3 India s Insurance Industry and the Partner-Agent Model
AIDMI - Afat Vimo............................................................................................51
3.1 Micro insurance in India....................................................................................52
3.1.1 India s insurance industry.........................................................................52
3.1.2 Micro insurance industry...........................................................................53
3.2 The Partner-Agent Model AIDMI - Afat Vimo.................................................56
3.2.1 The micro insurance scheme - background and approach........................56
3.2.2 The insurance system................................................................................62
3.2.3 The insurers (the partner)..........................................................................63
3.2.4 The facilitating agency (the agent)............................................................65
3.2.5 The households - client profile of micro-insured households...................68
Part II - Study Area, Methods, Sample Description...............................77
4 Study Area............................................................................................................79
4.1 Poor disaster-affected India................................................................................79
4.1.1 India, country at risk.................................................................................79
4.1.2 Poverty and vulnerability in India.............................................................85
4.2 The Gujarat Districts selected............................................................................89
4.2.1 The West Indian State of Gujarat..............................................................89
4.2.2 Ahmedabad City.......................................................................................94
4.2.3 Bhuj...........................................................................................................97
4.2.4 KhedaCity..............................................................................................100
4.2.5 Vadodara City......................................................................................... 103
4.2.6 The City Radhanpur and villages in Patan District.................................103
5 Methodological Approach...............................................................................107
5.1 Research question and its operationalisation....................................................107
5.2 Sample selection, sample size, and pilot test.................................................... 109
5.2.1 Sample size and sample selection...........................................................110
5.2.2 Pilot test..................................................................................................112
5.2.3 Procedure of the surveys.........................................................................112
5.3 Analysing the Partner-Agent Model at the interface between households
and insurers from the policy-holder s view - rationale and variables
selected.............................................................................................................113
5.3.1 Objective and subjective measurements.................................................113
5.3.2 The structure of the sample.....................................................................115
5.3.3 Functionality of micro insurance schemes..............................................121
5.3.4 Cost structure, handling of premiums, and financial impact...................123
5.3.5 Perception and satisfaction......................................................................123
5.4 Expert interviews related to micro insurance...................................................125
6 Characteristics of the Sample.........................................................................127
6.1 Rural and urban distribution............................................................................. 128
6.2 Socio-cultural and socio-demographic characteristics..................................... 129
6.2.1 Religious affiliation................................................................................. 129
6.2.2 Household size........................................................................................ 130
6.2.3 Age structure........................................................................................... 131
6.2.4 Gender ratio............................................................................................131
6.2.5 Household composition...........................................................................133
6.2.6 Educational attainment............................................................................ 133
6.2.7 Educational influence on knowledge and awareness............................... 135
6.3 Household income, poverty status, and assets................................................. 137
6.3.1 Household income................................................................................... 137
6.3.2 Source of income from labour work or micro enterprises....................... 138
6.3.3 Poverty status.......................................................................................... 139
6.3.4 Households assets.................................................................................. 141
6.4 Disaster experience of policyholders............................................................... 147
6.4.1 Disaster impacts and damages incurred by policyholders....................... 147
6.4.2 Insured versus occurred disasters............................................................ 151
6.4.3 Losses due to disasters............................................................................ 153
6.5 Claims made, entry into the insurance scheme, premium payment................. 154
6.5.1 Insurance track record............................................................................. 154
6.5.2 Entry of households into insurance system............................................. 155
6.5.3 Premium payment - costs and modalities...............................................157
6.6 Summary and conclusions of the characteristics of the sample....................... 158
6.6.1 Specific needs of the target group........................................................... 159
6.6.2 Possible difficulties in premium payment............................................... 160
6.6.3 High risk profile...................................................................................... 160
6.6.4 Low efforts related to insurance implementation.................................... 161
Part III - Empirical Part..................................................................................165
7 Functionality of the Partner-Agent Model..................................................167
7.1 Cases of damage, communication problem, not claiming................................ 168
7.1.1 Knowledge about insurance coverage and claim procedure................... 169
7.1.2 Notification of claims submitted.............................................................169
7.2 Claim settlement and main difficulties............................................................. 174
7.2.1 Acceptance or rejection of claims........................................................... 175
7.2.2 Time period until reimbursement is made............................................... 176
7.2.3 Amount of reimbursement...................................................................... 179
7.3 Summary and conclusions of the functionality of the Partner-Agent Model... 182
7.3.1 Lack of knowledge.................................................................................. 182
7.3.2 Deficits in the claim settlement...............................................................183
8 Cost Structure, Handling of Premiums, and Financial Impact
on Households....................................................................................................187
8.1 Financial handling of and response to insurance cost......................................187
8.1.1 Cost of micro insurance and financial burden.........................................188
8.1.2 Household handling of insurance cost.................................................... 191
8.1.3 Assessment of price/performance ratio...................................................193
8.2 Financial impact of micro insurance................................................................195
8.2.1 Reimbursement for paying debts............................................................. 195
8.2.2 Investment into livelihood.......................................................................196
8.2.3 Further spending options.........................................................................196
8.2.4 Factors influencing the spending behaviour............................................196
8.3 Summary and conclusions of the cost structure, handling of premiums,
and financial impact of micro insurance on households...................................198
8.3.1 Difficulties with premium payments....................................................... 198
8.3.2 Misuse of insurance funds.......................................................................200
9 Perception of and Satisfaction with Micro Insurance..............................203
9.1 Replacement value...........................................................................................204
9.2 Policy renewal and confidence.........................................................................205
9.2.1 Satisfaction after claims..........................................................................205
9.2.2 Influence of micro insurance on living conditions..................................208
9.2.3 Policy renewal.........................................................................................210
9.2.4 Expected impacts of micro insurance......................................................211
9.2.5 Trust in micro insurance.........................................................................213
9.2.6 Influence of micro insurance on life improvement..................................215
9.3 Unmet needs.....................................................................................................219
9.3.1 Uninsured health care needs....................................................................220
9.3.2 Neglected agricultural insurance.............................................................222
9.3.3 Cost structure and affordability of additional coverage..........................222
9.4 Summary and conclusions of perception of and satisfaction
with micro insurance........................................................................................224
9.4.1 Incapability to fully restore livelihood....................................................224
9.4.2 Confidence in and satisfaction with micro insurance..............................225
9.4.3 Need for health-related coverage............................................................227
Part IV - Synthesis..............................................................................................229
10 Synthesis..............................................................................................................231
10.1 Major findings................................................................................................232
10.2 Implications and recommendations................................................................235
10.2.1 Strategies of micro insurance provision..............................................235
10.2.2 Institutional efficiency........................................................................236
10.2.3 General insights..................................................................................236
10.3 Conclusion.....................................................................................................237
Bibliography.............................................................................................................239
Literature cited.............................................................................................................239
Internet sources............................................................................................................248
Interviews / Personal communication..........................................................................249
Data..............................................................................................................................250
Appendix...................................................................................................................251
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| spelling | Saalfrank, Claudia Verfasser aut Micro insurance and the interface between insurers and insured households an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India Claudia Saalfrank Basel Univ. of Basel, Dep. of Geography, Urban and Regional Studies 2012 XVIII, 254 S. Ill., graph. Darst., Kt. txt rdacontent n rdamedia nc rdacarrier Basel development studies 4 Zugl.: Basel, Univ., Diss., 2011 Entwicklungspolitik (DE-588)4014957-2 gnd rswk-swf Mikroversicherung (DE-588)7860903-3 gnd rswk-swf Armut (DE-588)4002963-3 gnd rswk-swf Gujarat (DE-588)4118450-6 gnd rswk-swf (DE-588)4113937-9 Hochschulschrift gnd-content Gujarat (DE-588)4118450-6 g Entwicklungspolitik (DE-588)4014957-2 s Mikroversicherung (DE-588)7860903-3 s Armut (DE-588)4002963-3 s DE-604 Basel development studies 4 (DE-604)BV035688823 4 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=025674968&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Saalfrank, Claudia Micro insurance and the interface between insurers and insured households an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India Basel development studies Entwicklungspolitik (DE-588)4014957-2 gnd Mikroversicherung (DE-588)7860903-3 gnd Armut (DE-588)4002963-3 gnd |
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| title | Micro insurance and the interface between insurers and insured households an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India |
| title_auth | Micro insurance and the interface between insurers and insured households an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India |
| title_exact_search | Micro insurance and the interface between insurers and insured households an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India |
| title_full | Micro insurance and the interface between insurers and insured households an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India Claudia Saalfrank |
| title_fullStr | Micro insurance and the interface between insurers and insured households an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India Claudia Saalfrank |
| title_full_unstemmed | Micro insurance and the interface between insurers and insured households an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India Claudia Saalfrank |
| title_short | Micro insurance and the interface between insurers and insured households |
| title_sort | micro insurance and the interface between insurers and insured households an analysis of the afat vimo partner agent model of micro insurance in gujarat india |
| title_sub | an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India |
| topic | Entwicklungspolitik (DE-588)4014957-2 gnd Mikroversicherung (DE-588)7860903-3 gnd Armut (DE-588)4002963-3 gnd |
| topic_facet | Entwicklungspolitik Mikroversicherung Armut Gujarat Hochschulschrift |
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