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Microinsurance in Aceh

Feasibility Study

December 2006

By

Gabriele Ramm

Gerald Leppert

Kai Straehler-Pohl

Commissioned by Deutsche Gesellschaft fr Technische Zusammenarbeit (GTZ) GTZ Regional Unit: 402 Regional Group

Responsible: Dr. Michael Hamp / Svenja Paulino Rodriguez

Country Director: Ms Sabine Markert

Appraisal Team: Ms Gabriele Ramm (mission leader)

Mr Gerald Leppert

Mr Kai Straehler-Pohl

Date of Report: 01 December 2006

Table of Contents

ACKNOWLEDGEMENTS.........................................................................................................................................I LIST OF ABBREVIATIONS.................................................................................................................................... II EXECUTIVE SUMMARY....................................................................................................................................... IV 1 BACKGROUND .................................................................................................................................................. 1 2 METHODOLOGY............................................................................................................................................... 1 3 DEMAND FOR MICROINSURANCE............................................................................................................. 2

3.1 IDENTIFICATION OF RISKS........................................................................................................................... 2 3.2 CONCLUSIONS............................................................................................................................................. 3

4 EXISTING RISK MANAGEMENT STRATEGIES....................................................................................... 3 4.1 MICROSAVINGS AND MICROCREDIT PRODUCTS.......................................................................................... 3 4.2 TRADITIONAL RISK MANAGEMENT STRATEGIES......................................................................................... 3 4.3 INSURANCE COMPANIES.............................................................................................................................. 4 4.4 SOCIAL SECURITY PROGRAMS .................................................................................................................... 5 4.5 CONCLUSIONS............................................................................................................................................. 6

5 SCOPE FOR MICROINSURANCE ................................................................................................................. 6 5.1 THE ROLE OF MICROINSURANCE AS RISK MANAGEMENT STRATEGY.......................................................... 6 5.2 PRODUCTS AND WILLINGNESS TO PAY........................................................................................................ 8 5.3 DELIVERY CHANNELS ................................................................................................................................. 9

6 POTENTIAL PARTNER ORGANISATIONS .............................................................................................. 10 6.1 FINANCIAL INTERMEDIARIES .................................................................................................................... 10 6.1.1 Commercial Banks ................................................................................................................................... 10 6.1.2 Microfinance institutions ......................................................................................................................... 10 6.2 NON-FINANCIAL ORGANISATIONS ............................................................................................................ 12 6.2.1 Non-financial NGOs ................................................................................................................................ 12 6.2.2 Non-financial Cooperatives..................................................................................................................... 13 6.3 OTHER STAKEHOLDERS ............................................................................................................................ 14 6.3.1 Secondary structures................................................................................................................................ 14 6.3.2 Government institutions........................................................................................................................... 14

7 THE NEED FOR CAPACITY DEVELOPMENT ........................................................................................ 15 8 INTERNATIONAL ORGANISATIONS........................................................................................................ 17

8.1 OTHER GTZ SUPPORTED PROJECTS IN NAD ............................................................................................ 17 8.2 ILO ........................................................................................................................................................... 18 8.3 ADB ......................................................................................................................................................... 18 8.4 MERCY CORPS .......................................................................................................................................... 18 8.5 CARE INTERNATIONAL ............................................................................................................................. 18 8.6 SAVE THE CHILDREN ................................................................................................................................ 19

9 CONCLUSIONS AND RECOMMENDATIONS.......................................................................................... 19 9.1 PRODUCTS................................................................................................................................................. 20 9.2 DELIVERY CHANNELS AND PARTNER ORGANISATIONS ............................................................................ 20 9.3 CAPACITY BUILDING AND TRAINING ORGANISATIONS ............................................................................. 23 9.4 COOPERATION WITH OTHER INTERNATIONAL ORGANISATIONS ............................................................... 23 9.4.1 Interfaces with PPP Jakarta and India ................................................................................................... 23 9.4.2 Other GTZ supported projects................................................................................................................. 24 9.4.3 International Organisations .................................................................................................................... 24

10 NEXT STEPS...................................................................................................................................................... 24 11 APPENDICES .................................................................................................................................................... 26

1 METHODOLOGY ................................................................................................................................................... 26 2 LIST OF PRE-SELECTED POTENTIAL PARTNER INSTITUTIONS ............................................................................... 28 3 COST OF HEALTH CARE SERVICES........................................................................................................................ 30

4 HOSPITALS IN NANGGROE ACEH DARUSSALAM ................................................................................................. 32 5 PROPOSED PILOT REGIONS FOR MICRO HEALTH INSURANCE ............................................................................... 33 6 ALTERNATIVE DELIVERY MODEL ........................................................................................................................ 34 7 OVERVIEW OVER MULTILEVEL ADMINISTRATION STRUCTURE IN NAD ............................................................. 35 8 CRITERIA FOR MICROINSURANCE ORGANISATIONS ............................................................................................. 36 9 TOR GABRIELE RAMM ........................................................................................................................................ 38 10 CONTACT DETAILS OF PEOPLE MET DURING THE MISSION................................................................................. 40 11 BIBLIOGRAPHY .................................................................................................................................................. 44

Microinsurance in Aceh Feasibility study

I

Acknowledgements The appraisal team takes this opportunity to thank all individuals and organisations for their constructive contributions to this report and the time they spend for providing all the relevant information and sharing their experience.

Especially, the authors would like to thank the staff and members of Baitul Qiradh Cut Nyak Dien, BQ Amanah Nanggroe Beurawe and BQ Surya Madinah in Banda Aceh for the kind support in conducting focus group discussions and for long hours of interviews. Furthermore, we would like to thank fishermen and Tambak farmers in the village of Kuala, Aceh Utara, for their time discussing risks and tradition risk coping mechanisms.

We would particularly like to thank Pak Ridwan for his support and his valuable

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