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Présentations, Rapports et publications, Développement des marchés, Global | 2016

Incitations réglementaires pour le développement du marché - Compte-rendu de la 14e Consultation téléphonique A2ii-AICA

On the topic: Regulatory incentives to foster the growth of inclusive insurance are important. Regulation needs to be proportionate to the nature, scale and complexity of risks inherent in the individual insurance business and strike a balance between “motivating the industry” and “protecting the consumer” if it is going to achieve its intended objectives and expand access to insurance for low-income consumers.

Incentives for insurers and examples of a proportionate approach include:

• a lighter product registration regime;
• allowing for alternate distribution channels;
• more flexibility for payment mechanisms and innovations in product design;
• lower supervisory fees for a microinsurance business line;
• lower capital requirements for this business or certain types of providers that offer lower-risk products.

However, at the same time, certain consumer protection rules may be set higher as they are critical to protecting low income and first-time insurance customers. For example, a standard contract and a shorter time limit might be required for honouring claims.
Participants on the call will discuss different options for creating incentives for insurers and learn how some countries have approached this and what the results are.

Presentation:

 

Report:

Également dans Développement des marchés

Présentations, Rapports et publications, Développement des marchés, Global | 2016

Mettre en œuvre un meilleur environnement réglementaire pour l’assurance inclusive - Appel de consultation A2ii-IAIS

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Rapports et publications, Développement des marchés, Éducation des consommateurs, Africa | 2015

Encourager le secteur africain à proposer des services d'assurance durables aux personnes non assurées - 4ème Forum consultatif

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Rapports et publications, Développement des marchés, Global | 2014

Regulatory approaches to inclusive insurance market development - Technical Note 2

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Rapports et publications, Développement des marchés, Global | 2014

Regulatory Approaches to Inclusive Insurance Market Development | Cross-Country Synthesis Note 2

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Rapports et publications, Développement des marchés | 2013

2013 Update by National Insurance Commission, Nigeria on microinsurance activities and plans

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