Inclusive Insurance Innovation Lab

For the news about the project click here.

The 2nd Inclusive Insurance Innovation Lab


What is it about?

The 2nd Inclusive Insurance Innovation Lab (iii-lab) 2020-2021 is an international capacity-building programme where 4 countries' teams will work on innovative solutions to advance the development of their insurance market.

 The iii-lab is a unique opportunity for participants to foster change in their 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

When & where?

The iii-lab lasts from January 2020 until June 2021. It consists of 3 national workshops, 3 international gatherings and 2-3 online calls of all country teams (approximately 20 days in total). The precise dates and locations of the workshops will depend on which countries are selected. In addition, participants will dedicate time in between events to maintain dialogue within the country team and implement the innovations in their markets that teams will develop as part of the process.

Who can apply?

Insurance supervisors apply on behalf of the country teams. The teams will be composed of representatives from approximately 8 institutions including:

  • the insurance regulator/supervisor
  • the insurance association
  • insurance providers (selected together with the association)
  • at least one intermediary and/or distribution channel
  • an individual or organisation that can represent the demand side
  • other stakeholders perceived to be essential to insurance market development

For each institution, up to 2 representatives can participate: at least 1 executive-level and possibly 1 high-potential mid-level staff member. A gender balance should be aimed for within the country teams.

Please note: Supervisors do not need to have the country team ready at the time of the application. A2ii will accompany selected insurance supervisors in putting together the country teams.

How to apply

To apply, insurance supervisor should send a one-page letter of motivation along with a letter of endorsement from the Head of Authority (i.e. Insurance Commissioner) to before September 15, 2019. Short-listed supervisors will be invited to a phone interview.

The following selection criteria will guide the selection process:

  • Regional diversity;
  • Insurance supervisor demonstrates motivation to actively participate in the iii-lab and has the support of the Head of Authority;
  • Insurance supervisor demonstrates openness to search for new solutions collaboratively with other stakeholders;
  • Country has the potential to act as a role model and catalyst in the region.


There are no participants’ fees for the iii-lab. However, participating country teams are expected to cover the costs for flight and accommodation during national and international lab meetings. The second and third national meetings are to be hosted by a country team member. Individual country team members unable to cover the full costs of participation can apply for a limited number of scholarships. All other costs related to the process outlined above will be covered by the A2ii.


Mariella Regh, iii-lab Project Manager at

Download this text as a PDF file. 

Download the lab flyer. 


The 1st Inclusive Insurance Innovation Lab


Insurance protects against unforeseen losses and financial vulnerability and plays a vital role in promoting economic growth. Yet in most developing and emerging economies, insurance penetration rates are low and vast segments of the low-income population as well as micro and small businesses remain excluded from insurance.

The Inclusive Insurance Innovation Lab is a sequence of national workshops and international platforms for insurance supervisors and other key stakeholders of the inclusive insurance sector. It provides a unique opportunity to build leadership capabilities while working together to develop innovative solutions that will increase uptake of insurance.

The Process

To address the challenges in improving access to insurance, the Access to Insurance Initiative and the Global Leadership Academy are launching a unique 12-month Leadership and Innovation Lab. The Lab brings together a broad range of inclusive insurance stakeholders in 4 country teams to build innovative solutions, guided by the question: How can we increase uptake of good quality insurance by vulnerable people and businesses?

The Inclusive Insurance Innovation Lab is based on the understanding that the question above cannot be tackled by one stakeholder alone. Rather, it needs the collective experience from diverse perspectives to comprehensively understand the bottlenecks within the sector.

Building on this understanding, the process will enable participants to develop and test innovative solutions to promote uptake of insurance by those in need.


The Lab aims at:

1. Promoting dialogue and mutual learning amongst key stakeholders of the inclusive insurance sector and identification of challenges in their country

Oftentimes stakeholders in the insurance market have preconceived conceptions about one another and do not adequately understand the challenges and constraints that the other actors face. The Lab will stimulate dialogue and an exchange of experiences, both within and across country teams. This will allow participants to learn from the experience of other countries (i.e. peer learning) and to thoroughly understand the perspectives of all players in the inclusive insurance market – a prerequisite to creating sustainable innovation. The process aims to develop lasting networks within (and across) the participating countries which can be drawn on even after the Lab process has come to an end.

2. Inspiring participants to take action

In a first step, country teams will collectively analyse their country context in order to identify the specific areas in which innovation is needed. In a second step, the process will enable teams to develop innovative solutions that can increase the uptake of insurance by vulnerable people and businesses. Initial implementation of the innovations will be accompanied by experienced change facilitators – but ownership ultimately rests with the country groups.

3. Equipping participants to take leadership within their sector and/or organisation

The knowledge gained and skill sets developed throughout the Lab will help participants address complex realities in their future work. The entire process is designed to promote leadership and innovation skills and the ability of participants to initiate multi-stakeholder collaboration.