Microinsurance has been increasing in last decade finding a relevant growth especially in those developing Countries and emerging Geographic areas where insurance needs are slowly assuming an defined shape for people approaching for the very first time to a very small enterprise experience, with the strong necessity to be covered from certain kinds of risks. That is the main reason why Microinsurance is mainly concentrated in Asia (mostly India and China, with aobut 80% of contracts), Latin America (15%) and Africa (5%). Even if the western Countries (“the rest of the world”) appear not relevant in those statistics, we must consider that those countries are often the place that people from emerging areas reach to find a better life, also for relatives still living in the native countries. In fact, is mainly looking at those type of needs that, i.e. Caixa (Spain) and Axa-Macif (France) started selling policies in order to cover some migrant risks. Furthermore, some of the most relevant world’s insurance player, such as Allianz, Zurich and Generali, have recently launched their experience in support Microinsurance in certain emerging Areas, such as Columbia, Bolivia and India.
La microassicurazione ha fatto registrare nell'ultimo decennio una crescita rilevante soprattutto nei Paesi emergenti e in via di sviluppo in cui le esigenze assicurative si stanno lentamente affermando soprattutto per coloro che si avvicinano per la prima volta ad una esperienza imprenditoriale e che, quindi, necessitano di adeguate coperture da determinate tipologie di rischi. Questo è il motivo principale per cui la microassicurazione è concentrata principalmente in Asia (soprattutto in India e Cina, con circa l'80% dei contratti stipulati), America Latina (15%) e in Africa (5%). Anche se i paesi "sviluppati" da un punto di vista finanziario non sembrano interessati da tale fenomeno, non si può trascurare che sono spesso il punto di arrivo di persone provenienti da aree emergenti alla ricerca di una vita "migliore", per sé e per i parenti che ancora vivono nella paesi di origine. E' soprattutto guardando a queste esperienze che alcuni tra i principali operatori assicurativi (come, ad esempio, Allianz, Zurich e Generali) hanno recentemente intrapreso delle esperienze a sostegno della "microinsurance" in alcune aree emergenti, come la Columbia, la Bolivia e India.
La microassicurazione in Europa e nel Mondo. Alcune esperienze internazionali / Santoboni, Fabrizio; V., Schirru. - In: MICROFINANZA. - ISSN 2282-099X. - STAMPA. - 5(2014), pp. 40-45.
La microassicurazione in Europa e nel Mondo. Alcune esperienze internazionali
SANTOBONI, Fabrizio;
2014
Abstract
Microinsurance has been increasing in last decade finding a relevant growth especially in those developing Countries and emerging Geographic areas where insurance needs are slowly assuming an defined shape for people approaching for the very first time to a very small enterprise experience, with the strong necessity to be covered from certain kinds of risks. That is the main reason why Microinsurance is mainly concentrated in Asia (mostly India and China, with aobut 80% of contracts), Latin America (15%) and Africa (5%). Even if the western Countries (“the rest of the world”) appear not relevant in those statistics, we must consider that those countries are often the place that people from emerging areas reach to find a better life, also for relatives still living in the native countries. In fact, is mainly looking at those type of needs that, i.e. Caixa (Spain) and Axa-Macif (France) started selling policies in order to cover some migrant risks. Furthermore, some of the most relevant world’s insurance player, such as Allianz, Zurich and Generali, have recently launched their experience in support Microinsurance in certain emerging Areas, such as Columbia, Bolivia and India.I documenti in IRIS sono protetti da copyright e tutti i diritti sono riservati, salvo diversa indicazione.