Microinsurance in Limiting Insurance Exclusion

• Autorzy: Anna Bera
• Języki publikacji: EN

Abstrakty

EN

Microinsurance provides indigent households with protection against basic threats, especially in developing countries. When compared to the general population, poor households are usually more often subject to risk such as illnesses, accidents or property losses, and are therefore more dependent on insurance services. However, due to their low economic attractiveness, they are often not served by traditional insurance companies. In Europe, particularly Central and Eastern Europe, microinsurance is a relatively new concept that is developing comparatively slowly. Thus, this situation constitutes an opportunity to develop a microinsurance system that can become an active instrument in reducing the risk of insurance exclusion in developing and developed countries.The purpose of the article is the micro-insurance specifics in the aspect of insurance exclusion. The research process required the use of the following research methods and techniques: critical literature analysis, desk research, observation, qualitative methods and graphic presentation techniques of research and analysis results. The main conclusions that flow from the article is an opportunity to develop micro-insurances not only in poor countries. They give the opportunity to increase the insurance capacity of insurers. It is also a chance to have insurance coverage by a larger group of households.(author's abstract)

Słowa kluczowe

EN

Microinsurance; Poverty reduction

PL

Mikroubezpieczenia; Zwalczanie ubóstwa

• Czasopismo: European Journal of Service Management
• Rocznik: 2018
• Numer: vol. 28/2, 4/2018
• Strony: 65--71

Twórcy

autor

Anna Bera

• Uniwersytet Szczeciński

Bibliografia

• Bednarczyk, T.H. (2016). Mikroubezpieczenia - innowacja produktowa czy powrót do korzeni? Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu, 415, 23-32.
• Biener, Ch. (2010). Mikroversicherung: Eine ӧkonomische Perspektive. Materials from the congress, Vortrag auf dem WiMa Kongress, Ulm, pp. 1-15.
• Czapiński, J., Panek, T. (eds.) (2015). Diagnoza społeczna 2015. Warunki i jakość życia Polaków. Warszawa: Rada Monitoringu Społecznego.
• Eling, M., Biener, Ch. (2011). Mikroversicherung: Profitabilität und Wachstumschansen in Zukunftsmärkten? Kreditwesen, 8, 403-404.
• Financial Services Provision and Prevention of Financial Exclusion (2008). European Commission. VC/2006/0183, pp. 25-32. Retrieved from: https://ec.europa.eu/social/BlobServlet?docId=761&langId=en.
• Kawiński, M. (2010). Instytucja mikroubezpieczeń. in: T. Szumlicz (ed.), Społeczne aspekty rozwoju rynku ubezpieczeniowego (pp. 311-324). Warszawa: Oficyna Wydawnicza SGH.
• Kempson, E., Whyley, C. (1999). Kept Out or Opted Out? Understanding and Combating Financial Exclusion. Bristol: Policy Press.
• Microinsurance Network (2017). Annual Report 2016. Retrieved from: https://microinsurancenetwork.org/sites/default/files/ Microinsurance%20Network_Annual%20Report%202016.pdf.
• Sigma, Swiss Re (2010). Microversicherung - risikoschutz für 4 Miliarden Menschen. N`6 (pp. 1-40). Retrieved from: http://www. nepalimed.ch/diverses/sigma6_2010_de.pdf.
• Singh, A., Bihari, N. (2018). A Decade since the First Microinsurance Regulations in India. Bimaquest, 18 (1), 40-58.
• Solarz, M. (2011). Wybrane sposoby ograniczania zjawiska wykluczenia ubezpieczeniowego. Annales Universitatis Mariae Curie - Sklodowska. Sectio H. Oeconomia, 45 (2), 363-371.

Identyfikatory

DOI

10.18276/ejsm.2018.28/2-07