The reasons that led to the formulation of microinsurance are still valid, 20 years on

What is it about?

The article contains an explanation of why top-down mainstream thinking about social protection has not reached the majority of world population, and it provides the information on actors and actions in the microinsurance space that have made a contribution during the last 20 years (and some comments about unkept promises and less helpful actions).

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Why is it important?

It is essential reading for those keen to implement affordable financing to healthcare at the base of the pyramid in low-income settings, and the informal sector