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
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| Format: | Abschlussarbeit Buch |
| Sprache: | English |
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Basel
Univ. of Basel, Dep. of Geography, Urban and Regional Studies
2012
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| Schriftenreihe: | Basel development studies
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| 245 | 1 | 0 | |a Micro insurance and the interface between insurers and insured households |b an analysis of the Afat Vimo Partner-Agent Model of micro insurance in Gujarat, India |c Claudia Saalfrank |
| 264 | 1 | |a Basel |b Univ. of Basel, Dep. of Geography, Urban and Regional Studies |c 2012 | |
| 300 | |a XVIII, 254 S. |b Ill., graph. Darst., Kt. | ||
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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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| author | Saalfrank, Claudia |
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| indexdate | 2025-02-03T17:41:49Z |
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| isbn | 9783796528934 |
| language | English |
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| physical | XVIII, 254 S. Ill., graph. Darst., Kt. |
| publishDate | 2012 |
| publishDateSearch | 2012 |
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| publisher | Univ. of Basel, Dep. of Geography, Urban and Regional Studies |
| record_format | marc |
| series | Basel development studies |
| series2 | Basel development studies |
| 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 |
| subject_GND | (DE-588)4014957-2 (DE-588)7860903-3 (DE-588)4002963-3 (DE-588)4118450-6 (DE-588)4113937-9 |
| 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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