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Insuring the Poor: Bajaj Allianz Microinsurance Initiatives in India
內容大綱
This case deals with a joint venture in microinsurance in India between a leading global insurer, Allianz SE, and an Indian conglomerate, the Bajaj Group - part of a broader commercial centure in the Indian life and nonlife insurance sector. The Bajaj-Allianz joint venture is, in turn, engaged in joint ventures in the microinsurance sector with NGOs (notably CARE) and a leading microfinance institution, SKS, both designed to recuce the cost of microinsurance distribution and expand the size of the insurance pool. The case discusses the microinsurance industry and its role in improving the lives of the poor, problems of microinsurance underwriting and distribution, and the role of microinsurance in the strategies of the various parties involved.