Insurance that Works
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World Bank, Washington, DC
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The study examines a range of data sets
to develop the analytical basis for the review, conclusions
and recommendations. Insurance development is driven by a
large range of factors, some of which can be better observed
than others. Data is important but understanding what it
means is also important. Benchmarking results, including
cross country analysis and other research to understand the
meaning of calculated values, is one element that is
under‐represented in industry analysis. Demand and potential
demand for insurance are also considered considering the
nature and level of risk being faced as the basis for the
examination of insurance markets effectively assuming
individuals and entities should and would take out insurance
if they were offered it against these risks. Other
dimensions examine perceptions of risk, insurance as a
solution, and then other barriers to access that may limit
the extent that a risk that can be insured coverts into a
risk that is insured. In this section, we approach both a
range of potential risks and their trends along with data
about clients. Through the report, elements of the
regulatory and supervisory arrangements are addressed as
they are relevant. For those that are not specifically
raised in these sections, a further section covers the
remaining review of regulatory arrangements as needed. The
diagnostic review has also been conducted through an
extensive set of fact‐finding stakeholder meetings to gather
input, validate and supplement the data‐based analysis.
Palabras clave
INSURANCE, RISK MANAGEMENT, UNIVERSAL HEALTH COVERAGE, MOBILE INSURANCE, AGRICULTURAL INSURANCE, MICROFINANCE