6-8 November 2018, Lusaka, Zambia

Call for proposals

Inclusive Insurance for Emerging Markets - 14th International Microinsurance Conference

The 14th IMC “Inclusive Insurance for Emerging Markets” will take place in Lusaka from 6 – 8 November 2018. Approximately 450 experts from around the world will discuss and identify ways of accelerating growth and economic viability in inclusive insurance for emerging markets. The conference will be hosted by the Microinsurance Technical Advisory Group of Zambia (TAG) and the Munich Re Foundation in cooperation with the MiN.



Online proposal form
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The insurance sector in emerging markets has enjoyed steady growth in client outreach and premium volumes over the last fifteen years. New technologies are boosting market coverage. In Asia alone, the number of people insured through mobile phones exceeds 40 million. Furthermore, the G7 countries have set a target of insuring 400 million people against climate risks by 2020. Nonetheless, many people are still without cover or alternative risk management options. The global middle class is predicted to number nearly five billion within two decades — but many of these individuals will still lack a formal safety net from insurance and will risk falling (back) into poverty.

The main focus of the 14th IMC will be how best to respond to this challenge by applying new technologies, understanding the role of insurance for sustainable development, improving supply, raising awareness of insurance, creating appropriate regulatory frameworks and better understanding of the particular needs of the low income population.

Representatives from insurance and reinsurance companies, distribution channels, technology providers, investment funds, international organisations, NGOs and development aid agencies, as well as academics, policy makers and supervisory regulators, from around 50 countries will attend the conference. Attendees will exchange views on current growth trends and risks in emerging markets and discuss key factors for successful implementation and maximised business opportunities to bring supply and demand to the next level.

Conference themes

The conference aims to distil and disseminate information on key developments in insurance for emerging consumers. Sessions will engage all stakeholders to help them recognise and optimise opportunities in the low-income markets. To cover subjects that are currently of interest, the conference organisers are calling for proposals on the following topics:

1. Disruptive insurance solutions – inclusive insurance in the digital economy

There is increased need for innovation in the insurance space, especially with the new opportunities that have emerged as the result of disruptive business models, large amounts of data, new technology, and more channels for engaging users. Digital platforms and new data aggregators are broadening the potential for digital finance services to reach previously excluded clients. The organisers are interested in efficient tools for data collection and analysis, and their application in developing markets. Under this topic, the organisers' aims are to link innovative start-ups and established insurers, and to establish  how solutions applied in developed markets can be used in emerging markets. In particular, submissions should  address the benefit using the technology or application presented. The organisers are also interested in the role of the government in supporting market development.

2. Agriculture/Natural disasters
Following the G7 decision to substantially increase the number of people insured against climate risks, the organisers are interested in understanding the current development of micro, meso and macro-solutions, including index-based products, to protect low-income clients against natural disasters and to safeguard their transition towards more sustainable livelihoods where necessary.

3. New inclusive insurance products or partnerships in the fields of

  • Health or hospital cash
  • Credit life or funeral

In many emerging markets, credit-life products dominate the market. Submissions should explore ways in which products or partnerships can be structured to broaden outreach and coverage as well as how they benefit the target market. Presentations that include details relating to product outreach, in addition to the performance indicators, will be given preference.

4. Insurance for micro, small and medium enterprises
This topic will consider the insurer business model constraints when it comes to serving MSMEs and the potential to boost insurance’s SDG impact by narrowing the missing middle. We invite proposals discussing how insurance providers can meet different MSMEs’ risk management needs. Whereas microbusinesses, who often blur the lines between business and personal needs, are usually the prime target market for inclusive insurance, the distinct risk management needs of larger, aspirational but still small enterprises go largely unmet.

5. Innovative distribution models and partnerships beyond lenders and mobile

Given severe infrastructure restrictions across many rural regions, distribution challenges are particularly severe. Presentations should focus on rural clients, but may also include other hard-to-reach clients. We invite insurance providers, intermediaries, distribution channels and especially “fintech” firms to present how they can improve insurance distribution in under-served regions. How have these channels been used to overcome geographical, infrastructural and societal constraints? The organisers are interested in case studies covering the set-up of mutually beneficial partnerships and how to manage those partnerships pro-actively.

6. Improving business processes
Keeping costs down remains a key challenge in the field of inclusive insurance. We invite organisations that have worked on change management and improving their business processes to reduce costs and increase customer satisfaction to share those experiences. The organisers are interested in innovations in information technology used to manage premium collection, claims and claims payment, as well as (customer) requests and complaints. Presentations should ideally include live demos, detailed performance indicators and trend analyses.

7. Consumer education and capacity building
There is a need to build the capacities of people and institutions on many levels, including the financial literacy of the target market and the insurance expertise of delivery channels, while risk carriers need a better understanding of the needs and preferences of the under-served client potential Organisations with successful capacity-building experience at any of these levels are invited to submit applications to present their methods, tools and strategies at the conference. We are also interested in experiences in improving the insurance literacy of stakeholders concerning digitally supported products and delivery mechanisms. Presentations should include a cost-benefit analysis assessing the effectiveness of the approaches used.
8. Role of insurance for sustainable economic development
On 25 September 2015, the United Nations General Assembly adopted the 2030 Agenda for Sustainable Development, along with a new set of development goals collectively called the Sustainable Development Goals (SDGs). While the SDGs do not explicitly target financial inclusion, greater access to financial services is a key enabler for many of them. Submissions should discuss where and how inclusive insurance can help achieve the SDGs and outline opportunities for businesses and governments in expanding inclusive insurance in emerging countries.

9. Scientific track – economic analysis of emerging insurance markets
Together with the Center for Economic Analysis of Risk at Georgia State University, the organisers will include a scientific track to encourage rigorous economic analysis of emerging insurance markets. Empirical, theoretical and policy-oriented papers are invited on topics such as:

  • Factors that influence the demand for insurance and allow prediction of uptake
  • Behavioural economics applied to insurance
  • Triggers that substantially increase the use of insurance
  • The role of temporary and permanent subsidies
  • Role of insurance for achieving the UN’s Sustainable Development Goals (SDGs)
  • Appropriate benchmarks to measure the success of inclusive insurance programmes
  • Contract design to mitigate adverse selection and moral hazard
  • Documentation of welfare impact and customer value
  • Whether informal and formal risk-sharing mechanisms are complements or substitutes
  • Policies to support market development and ensure consumer value
  • Actuarial reserving issues

All submissions intended for the scientific track must clearly indicate how their proposed session is relevant for practitioners and/or policy makers.


Submission of proposals

To submit a proposal, please complete the online proposal form.
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Conference language

All proposals will be reviewed by the Conference Steering Committee. Proposals for an individual presentation or a full session can be submitted through the online submission form avai lable from the conference website. To submit a proposal, please complete the online proposal form in English. Please note that no other format can be accepted. You must attach one explanatory document in Acrobat (.pdf) format. For submissions under “Scientific track”, an electronic version of the draft paper in Acrobat (.pdf) format must be attached.

Structure and objectives of the conference 
The conference will feature panel discussions on key topics addressing an interdisciplinary audience. Additional working group sessions will deal in depth with subtopics. Interactive sessions hosted by partner organisations will be a key part of the conference, facilitating dialogue in small groups on emerging issues. Keynote speeches will look at the latest international, national and local insights.

Hosting a full session
Selected slots of 90/120 minute sessions can be allocated to organisations wishing to organise and host a full session. The hosting organisation will be named in the agenda and conference report as a content partner of the conference.Th e content of these sessions must focus on a specific topic addressing specific questions that are relevant to a broader audience. Panellists should ideally represent a broad range of stakeholders and/or have a broad geographic background.

  • The hosting organisation will be responsible for inviting speakers and organising the session in coordination with the organisers of the conference.
  • The travel costs of speakers/facilitators must be covered by the hosting organisation.
  • Up to four speakers/facilitators will be granted free of charge admission.
  • Speakers must be registered by means of the online registration form.
  • Speakers/facilitators must be confirmed by 1 September 2018 at the latest.
  • The room will be allocated by the conference organisers.
  • Room arrangements cannot be changed. 

If you would like to host a full session, please submit a draft outline of the session to the conference organisers using the proposal submission form. The proposal must include tentative speakers as well as the key questions to be discussed.

Individual presentations
Proposals for individual presentations should include concrete lessons learnt and recommendations for the audience. Submissions based on the details of actual results are preferred.

Speakers and facilitators invited directly by the conference organisers will be granted free admission to the conference. Limited funding is also available, upon application, for economy-class travel and the hotel expenses of speakers and facilitators from non-profit organisations (excluding large national and international donor organisations). Applications for travel grants subsequent to the submission of a proposal cannot be accepted. There is no limit to the number of abstracts that can be submitted by an organisation, although travel grants are limited to one speaker per organisation.

For details on travel grants for speakers and facilitators, please consult "information for speakers and facilitators" under the "general information" section.

Timeline and acceptance

 Submission deadline for proposals and draft papers 10 May 2018
 Notification of acceptance  30 June 2018
 Confirmation of speakers for sessions hosted by third parties  1 September 2018
 Submission of draft presentations for the conference  15 September 2018
 Submission of presentations and final papers   15 October 2018

Please note that the submission deadlines are final.



Inclusive Insurance for Emerging Markets - 14th IMC

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> Technical Advisory Group (TAG)

> Insurers Association of Zambia (IAZ)

> Microinsurance Network


Download conference reports

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