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Second Inclusive Insurance Innovation Lab (2020-2021)


The iii-lab 2020 - 2021 participating countries: Argentina, India, Morocco, Rwanda

What is the iii-lab?

The Inclusive Insurance Innovation Lab (iii-lab) is an international capacity-building programme where 4 countries' teams work on innovative solutions to advance the development of their insurance market.

The iii-lab is a unique opportunity to foster change in insurance markets by:

  • Enabling dialogue and mutual learning amongst key stakeholders of the inclusive insurance sector
  • Equipping participants to take leadership within their sector and/or organisation
  • Inspiring participants to take action and supporting initial implementation

In addition, participants dedicate time in between events to maintain a dialogue within the country team and implement the innovations in their markets that teams will develop as part of the process.


The philosophy of the lab is that no one in the room understands all facets of an issue nor has the perfect solution to existing challenges. This means that everybody needs to work together, and, with the appropriate time and tools, the participants can find the answers together. As change in the selected jurisdictions is a major goal of the Inclusive Insurance Innovation Lab, a strong emphasis will lie on national processes and support to each country team. However, country ownership and initiative is key to making the most of the process.


  • Start a dialogue, build networks
  • Analyse country systems
  • Benefit from peer knowledge exchange and cooperation
  • Supported by experienced change facilitators
  • Prototype innovative solutions
  • Disrupt your insurance market


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The first iii-lab took place over 2017-2018 where Albania, Ghana, Kenya and Mongolia took part. The final report for the 1st lab can be found here.

The Inclusive Insurance Innovation Lab would not have been possible without the support of the Dutch Directorate-General for International Cooperation (DGIS). 

Current iii-lab 2020-2021

The Inclusive Insurance Innovation Lab is an 18-month process with approximately 60 inclusive insurance leaders from four countries across the world: Argentina, India, Morocco and Rwanda. The process takes place between the end of January 2020 and end of June 2021. It will promote dialogue and mutual learning amongst key stakeholders in the inclusive insurance sector, inspire participants to take action, and help them to take leadership within their sectors and organisations.

The key question of the lab is: How can we develop our insurance markets?

Covid-19 Update

National and International Workshops continue to be held virtually supplemented by topical webinars, global meetings and coaching clinics.

Read our blog post to find out how the iii-lab has been converted into a fully virtual process: Switching between tabs: the virtual inclusive insurance innovation lab.

Latest Updates

06 May 2021

Second international process

Despite the continued Covid-19 restrictions, the second international process of the iii-lab has made fruitful progress. Each of the four country teams hosted a learning journey, inviting their peers to virtually visit their countries and learn more about local innovations not only from the insurance world. In between the sessions the teams have been diligently working to further develop their prototypes, choosing to develop solutions based on issues facing the insurance market in their jurisdictions. 

Argentina’s prototype focuses on raising insurance awareness and addressing cultural barriers. Their prototype involves all insurance companies working together on a social media campaign to inform the public about insurance, using tools such as storytelling and gamification. One of India’s groups is working on awareness as well; their solution proposes working with caller tunes so that people hear a message about insurance while waiting for their phone call to be answered. India’s second sub-team is developing a combi-product covering multiple risks, addressing the barrier of managing multiple products and receiving quality servicing. The prototype would entail a one-stop-shop and robust use of technology. The Moroccan team wanted to address high costs of health services in their country and developed a solution to utilise mobile phones to offer management of a minimum insurance coverage, including access to doctors through WhatsApp and lower, negotiated prices for medical services among other services. Team Rwanda is addressing the lack of trust and information in the insurance industry, as well as a lack of products which address the needs of the population. They are using platforms like the radio, Facebook, and Twitter to raise awareness and receive feedback on customers’ needs in order to design better insurance products.

On 6 May, the teams’ hard work on their prototypes culminated during the pitching session. They presented an elevator pitch of their prototypes to a panel of three experts: Natalia Escobar-Mejia, Senior Policy Advisor at the IAIS, Martin Mayer, co-founder of Romeo, and Emmanuel Mokobi, CEO of Prudential Life Insurance Ghana. The panel observed the teams’ pitches and after a round of open questions, they provided valuable feedback and suggestions which the teams are using to move their prototypes forward.

25 February 2021

Global Webinar on designing successful educational and marketing campaigns

Central to all lab teams is education and awareness, marketing of products, and how to craft digital strategies to get messages across. Three experts joined us for this call. First we learned from Ivan Poltoracki, a senior marketing executive, about key factors to consider when developing a marketing/educational campaign. Following this, we heard about two innovative approaches to raise awareness about insurance, which were developed by AB Consultants, a Kenya-based microinsurance consultancy seeking to make financial services more accessible in Africa. Barbara Chesire-Chabbaga, Managing Director and Co-founder of AB Consultants and a participant of the first iii-lab, and Jeremiah Siage, Director & Digital Finance Specialist, talked about their experiences developing ResilientME!, a game designed to demystify risk management and insurance in a way that is fun and engaging. They also presented the insurance platform app – CoverApp developed by AB consultants, where people can purchase insurance and file claims on-the-go.

See our LinkedIn post.

19 January 2021

Second national workshop phase ends

During this phase, there was an emphasis on design-thinking methodology to build on the identification of broad priorities and to address them by developing their ideas into prototypes. The initial prototypes were presented to the hosting team and other lab teams for feedback on 19 January. Teams are now embarking on an iterative experimental process to test their prototypes.  

15 December 2020

Global Webinar

The global webinar on 15 December was on the topic of InsurTech, presented by Denise Garcia and Manoj Pandey. Based on the presentation, Virginia from the Argentinian team developed the following infographic:



30 November 2020

November - the month of innovation for the iii-lab teams!

After an analysis phase of roughly six months, the four iii-lab teams from Argentina, India, Morocco and Rwanda have now started work on defining possible innovations for their inclusive insurance sector. A2ii and Reos Partners are supporting the teams to adopt a design thinking methodology and ensure that innovations focus on customer needs.

Over five sessions, the multi-stakeholder teams’ goal was to come up with a handful of prototype solutions to develop their inclusive insurance market – to experiment with and implement on the ground in the next months. The ideas range from awareness-raising campaigns to products for informal workers and improving processes in the insurance industry to better serve its clients.

24 September 2020

First International Workshop

The iii-lab continued its online journey with the First International Workshop kicking off on 24 September when the four country teams (Argentina, India, Morocco, Rwanda) presented their countries and inclusive insurance sectors. 
After the presentations, participants were split into smaller groups.  

Session 2 on 1 October focused on leadership capacity development with participants peer-coaching on pre-defined leadership challenges. 

The teams are eager to connect across countries and overcome the challenge of not being able to meet physically by mastering the online tools, bringing in motivation and commitment.

The International Workshop will continue over the next few weeks. 

14 July 2020

Rwanda team completes its first national workshop series

In the course of six online sessions the Rwanda team analysed its inclusive insurance sector and decided to focus its work on the following main beneficiary groups: farmers’ cooperatives & informal workers, e.g. individuals with temporary non-registered work or informal business owners. Next, based on methods explained in the lab, the team will conduct learning journeys where they will interview selected individuals from these groups to learn more about their lives and insurance needs.

Read our latest newsletter for the full update on the progress of the lab.

24 June 2020

iii-lab’s first global call launches international lab process

After three months of working in their respective country teams, the iii-lab participants from Argentina, India, Morocco and Rwanda finally had the chance to virtually meet each other in the first global call of the iii-lab 2020/21.

During a two-hour (!) call (in a playfully productive atmosphere powered by the enthusiasm of the country teams), around 40 lab members shared their pressing questions as well as the expertise that they have to offer. The lab’s hosting team was busy collecting and clustering all offers and will design the next sessions based on these insights.

After three months of working in their respective country teams, the iii-lab participants from Argentina, India, Morocco and Rwanda finally had the chance to virtually meet each other in the first global call of the iii-lab 2020/21.

The use of breakout rooms was particularly useful for this online call to split the participants into smaller groups to connect with each other and discuss important issues.

Due to Covid-19 travel restrictions, the in-person international workshop that was originally scheduled to take place in June had to be moved entirely online. The international process will now take place in the form of monthly global calls until international travel between all countries will be possible again.

While moving the programme online cannot replace the experience of in-person meetings, the teams have shown readiness to meet and learn from each other also virtually.

The iii-lab hosting team is continuously learning about online processes and adapting its programme to meet participants’ needs.

Read about the lab in Spanish on!

26 May 2020

Argentina completes first national workshop | Online learning journeys continue for all teams

As the program content of the iii-lab had to be moved online, the A2ii team decided to split a 2-day workshop program into 6 online sessions of 2.5 hours. The Argentina team has now completed this workshop.


© Virginia Lingiardi, a member of the Argentina team who drew a storyboard showing how needs of potential customers need to be observed and not asked. 

Read our June newsletter for the full update on the progress of the lab.

01 April 2020

National Workshops for Argentina and Rwanda | Virtual Meetings begin to take place

Argentina and Rwanda hold national workshops, as workshops and meetings are temporarily moved to virtual formats.



Read our newsletter report.

See the list of events.

04 March 2020

National Workshops for India and Morocco

On 4-5 March 2020, the first iii-lab national workshops were held in Hyderabad, India and Rabat, Morocco.


Read our newsletter report.

See the list of events.