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CONTENTS
EXECUTIVE SUMMARY 2
MICROINSURANCE IN CONTEXT 3
PART 1 - INSURANCE MADE FOR THE MASS MARKET:
TIGO & BIMA IN SENEGAL 5
PART 2 - INSURANCE AS A TELECOM STRATEGY:
TELENOR & MICROENSURE IN PAKISTAN 13
CONCLUSION:
LESSONS AND QUESTIONS FOR THE MOBILE INDUSTRY 19
FIGURES
Figure 1 Global insurance penetration 4
Figure 2 Existing mobile microinsurance initiatives 4
Figure 3 Stripping away a typical life insurance product 7
Figure 4 Bima’s distribution model in Senegal 10
Figure 5 Tigo Kiiray subscriber base, October 2013 12
Figure 6 Comparison of Telenor Pakistan’s two insurance offerings 16
EXECUTIVE SUMMARY 2
MICROINSURANCE IN CONTEXT 3
PART 1 - INSURANCE MADE FOR THE MASS MARKET:
TIGO & BIMA IN SENEGAL 5
PART 2 - INSURANCE AS A TELECOM STRATEGY:
TELENOR & MICROENSURE IN PAKISTAN 13
CONCLUSION:
LESSONS AND QUESTIONS FOR THE MOBILE INDUSTRY 19
FIGURES
Figure 1 Global insurance penetration 4
Figure 2 Existing mobile microinsurance initiatives 4
Figure 3 Stripping away a typical life insurance product 7
Figure 4 Bima’s distribution model in Senegal 10
Figure 5 Tigo Kiiray subscriber base, October 2013 12
Figure 6 Comparison of Telenor Pakistan’s two insurance offerings 16
