{"id":13393,"date":"2017-12-07T16:42:51","date_gmt":"2017-12-07T15:42:51","guid":{"rendered":"http:\/\/www.fundacionmicrofinanzasbbva.org\/en\/?p=13393"},"modified":"2017-12-18T11:18:53","modified_gmt":"2017-12-18T10:18:53","slug":"microinsurance-in-the-context-of-productive-finance","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/microinsurance-in-the-context-of-productive-finance\/","title":{"rendered":"Microinsurance in the context of Productive Finance"},"content":{"rendered":"\"\"\n

When tragedy strikes,\u00a0the disadvantaged\u00a0are usually the ones with less tools to face the situation, just like what happened to the victims of the Mocoa landslide (Colombia), or those of the Coastal El Ni\u00f1o Phenomenon (Peru)<\/a>. When risks\u00a0take\u00a0the form of\u00a0climatic events,\u00a0their\u00a0impact is\u00a0greater\u00a0on the lives of vulnerable people, an impact exacerbated by their lack of access to insurance.<\/strong><\/p>\n

Microinsurance is a financial product that offers protection to vulnerable and low-income households.<\/strong> When uninsured, their only option to deal with unforeseen events are informal mechanisms, ie: accumulating savings and assets for their posterior use and sale, taking loans, or sacrificing the family members’ wellbeing by allotting less expenditure in food, education and leisure.<\/p>\n

At present, the microinsurance sector is faced with important constraints like the scarce market information, in addition to the lack of knowledge about the potential clients. A study published by the MicroInsurance Network reveals that the total microinsurance coverage ration in Latinamerican and the Caribbean region, where the BBVA Microfinance Foundation (BBVAMF)<\/strong><\/a> operates, is 7.89%. The countries with the highest coverage are Mexico (15%), Colombia (14%), Ecuador (12.1%), Peru (10%) and Chile (7%). For the sector, this reflects the need for a more responsible distribution of the product<\/strong>, to meet the existing demand.<\/p>\n\"\"\n

As an important part of the Productive Finance model<\/a>, the Foundation follows two complementary lines of action regarding microinsurance: promoting development through products that are adapted to vulnerable clients and fostering an “insurance culture”.<\/strong><\/p>\n

Promoting development through\u00a0customized products<\/h3>\n

 <\/p>\n\"\"\n

Access to microinsurance is more difficult in developing countries, where markets are inefficient or right away inexistent for low-income people. BBVAMF, in its mission to promote development among vulnerable populations, offers microinsurance products that are customized according to the entrepreneur’s needs.<\/strong> For this to be possible, the Foundation is directly involved in creating the specific products conceived for low-income entrepreneurs. The end result is a product that considers the economic situation of the insured and their payment capacity. Furthermore, the said product is also adequated to the needs and interests of the potential clients in terms of coverage, duration, and the design of all processes associated to it (like enrollment or claims management).<\/p>\n

On the whole, 49% of credit clients are enrolled in a valid insurance product (as of 31st december, 2016). Below are the voluntary microinsurance products offered by the BBVAMF’s entities*:<\/p>\n

\n

[image_text_hover columnas=”2″ imagen=”http:\/\/www.fundacionmicrofinanzasbbva.org\/wp-content\/uploads\/2017\/11\/judit-bancamia-fmbbva.png” texto=”<\/p>\n

Bancam\u00eda
\n87% with voluntary microinsurance
\nLife insurance:<\/strong> a life, accident and death insurance that covers the insured or the family group.
\nDamage insurance:<\/strong> covers material damages related to the productive unit, caused by unforeseen events (fire, explosion, flood, earthquake, hurricane, hail, etc…)”][\/image_text_hover]
\n[image_text_hover columnas=”2″ imagen=”http:\/\/www.fundacionmicrofinanzasbbva.org\/wp-content\/uploads\/2017\/11\/quintin-financiera-confianza-fmbbva-peru.png” texto=”<\/p>\n

Financiera Confianza
\n42% with voluntary microinsurance
\nMulti-risk insurance:<\/strong> covers material damages affecting the business’ working capital, caused by fire, explosion, work strikes, malicious destruction, vandalism and environmental risks.
\nInstallment protection:<\/strong>covers the loan installments or dues that the client wouldn’t be able to pay due to temporary incapacity, up to a maximum of 4 installments.”][\/image_text_hover]<\/p>\n<\/div>\n

\n

[image_text_hover columnas=”2″ imagen=”http:\/\/www.fundacionmicrofinanzasbbva.org\/wp-content\/uploads\/2017\/11\/clienta-adopem-republica-dominicana-fmbbva.png” texto=”<\/p>\n

Banco Adopem
\n26% with voluntary microinsurance
\nMicroinsurance:<\/strong> a life and accident insurance that covers the main assured and the spouse”][\/image_text_hover]
\n[image_text_hover columnas=”2″ imagen=”http:\/\/www.fundacionmicrofinanzasbbva.org\/wp-content\/uploads\/2017\/11\/rosa-norambuena-fondo-esperanza-chile-fmbbva.png” texto=”<\/p>\n

Fondo Esperanza
\n4% with voluntary microinsurance
\nMy Family Secured:<\/strong>a life and accident insurance”][\/image_text_hover]<\/p>\n<\/div>\n

[image_text_hover imagen=”http:\/\/www.fundacionmicrofinanzasbbva.org\/wp-content\/uploads\/2017\/11\/Plano-general-emprendedora-de-Emprende-Chile.jpg” texto=”<\/p>\n

Emprende Microfinanzas
\n38% with voluntary microinsurance
\nFamily Protection Insurance:<\/strong>a life and accident insurance”][\/image_text_hover]<\/p>\n

*31.12.2016 data<\/h6>\n

Fostering awareness about the importance of insurance products<\/h3>\n

One of the sector\u2019s most pressing challenges relates to the lack of \u201cinsurance culture\u201d, especially among the vulnerable segments of the population.<\/strong> Some of the barriers that hinder this lack of awareness are the insufficiency of products that cater to their specific needs, scarce information about insurance products, inadequate knowledge about their own situation which makes them underestimate the possible risks, and lastly, the lack of trust towards insurance companies.<\/p>\n

This is why\u00a0the BBVAMF entities foster an \u201cinsurance culture\u201d in the countries where they are present. They focus their efforts in training microfinance officers<\/strong>, given that they\u2019re the ones in charge of delivering microinsurance products to entrepreneurs. An important part of their preparation as officers takes this into account: they study the different types of existing insurance, their functionality and the specific vocabulary so they could clearly and efficiently transmit the information to clients.<\/p>\n

In Fondo Esperanza<\/a>, for instance, officers make use of the Village Bank meetings to impart a learning session about microinsurance. Through a role-playing game, the entrepreneurs discover the difference between an insured business and an uninsured one.<\/strong> This way, the officers succeed in making clients understand how a microinsurance could help them manage risks that could affect their lives and those of their family members.<\/p>\n

In Bancam\u00eda<\/a>, explanatory leaflets and brochures are handed out to any potential client, where the product\u2019s distinct vocabulary has been adapted to be more understandable for people with less technical knowledge.<\/strong><\/p>\n\"\"\n

The complementary nature of financial instruments<\/h3>\n

Vulnerable segments of the population\u00a0need to comprehensively manage and mitigate risks and this\u00a0requires the complementary action of various tools such as savings, credit and insurance. While savings and credit guarantee the availability of resources for future and present use, insurance protects the said resources which households depend on.<\/strong><\/p>\n

Far from being a panacea, microinsurance has been proven to be an effective tool that helps household enterprises become more resilient in facing shocks and unforeseen changes.<\/strong> This allows entrepreneurs and their family members achieve greater financial stability which undoubtedly improves their lives.<\/p>\n","protected":false},"excerpt":{"rendered":"

When tragedy strikes,\u00a0the disadvantaged\u00a0are usually the ones with less tools to face the situation, just like what happened to the victims of the Mocoa landslide… Read more »<\/a><\/p>\n","protected":false},"author":13,"featured_media":13392,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1762,1437],"tags":[],"class_list":["post-13393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-en","category-news"],"acf":[],"yoast_head":"\nMicroinsurance in the context of Productive Finance - Fundaci\u00f3n Microfinanzas BBVA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/en\/microinsurance-in-the-context-of-productive-finance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Microinsurance in the context of Productive Finance - Fundaci\u00f3n Microfinanzas BBVA\" \/>\n<meta property=\"og:description\" content=\"When tragedy strikes,\u00a0the disadvantaged\u00a0are usually the ones with less tools to face the situation, just like what happened to the victims of the Mocoa landslide... 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