Programme

PROGRAMME 2012 RESEARCH CONFERENCE ON MICROINSURANCE

Wednesday 11 April, First day

11.00 – 12.30

Waaier Foyer

Arrival, coffee and registration

12.30 – 12.40

All participants have to be in Waaier 4 before 12.40

13.00 – 13.05

Waaier 4

Welcome, Chair of Board of University, Anne Flierman

13.05 – 13.20

Waaier 4

Opening key-note:

H.R.H. Princess Máxima of The Netherlands, United Nations Secretary-General’s Special Advocate for Inclusive Finance for Development.

13.20 – 13.35

Waaier 4

Plenary key note:

Craig Churchill, Team Leader of ILO’s Microinsurance Innovation Facility, Chair of the Microinsurance Network

13.35 – 13.50

Waaier 4

Plenary key note:

Xavier Giné, Senior Economist Research Department World Bank

13.50 – 14.30

Waaier Foyer

Lunch

14.45 – 15.45

Waaier 4

Panel discussion:

‘What are the implications of impact studies of microinsurance products on science and society?’

Moderator: Véronique Faber, Microinsurance Network

Panelists:

Xavier Giné, World Bank

Craig Churchill, ILO Microinsurance Innovation Facility

Glenn Harrison, Center for Economic Analysis of Risk (CEAR)

Brandon Mathews, Microinsurance Network

15.45 – 17.45

Ravelijn

1. Parallel sessions

1A. Comparing health insurance demand

Facilitator:

Aaltje de Roos, Dutch Ministry of Foreign Affairs

Discussant:

André Leliveld, African Studies Centre

Rapporteur:

Jesse D’Anjou

Ravelijn 2501

Quimbo, University of The Philippines, Diliman, Patterns of voluntary enrolment in private versus social health insurance in the Philippines: Is adverse selection or moral hazard a concern?

Chatterjee, Centre for Insurance and Risk Management- Institute of Financial Management and Research (CIRM-IFMR), India, Addressing the low demand for preventive health care through the provision of free medical check-ups in Kolkata slums?

Degens and May, University of Cologne, Analysing Membership in the National Health Insurance Scheme in Ghana. Applying qualitative comparative analysis.

1B. Social structures and social relations and insurance demand and impact.

Facilitator and discussant: Andreas Landmann, University of Mannheim

Rapporteurs:

Friederike Lenel and Karla Henning

Ravelijn 2502

Henning and Lechtenfeld, University of Goettingen, Remittances and weather insurance: Evidence from rainfall shocks in Indonesia.

Grimm, International Institute of Social Studies (ISS) of Erasmus University, The impact of informal risk sharing systems on investment decisions of small entrepreneurs.

Janssens, Kramer, VU University and Tinbergen Institute, The social dilemma of microinsurance. A framed field experiment with microcredit groups in Tanzania.

1C. Design and demand for insurance for farmers

Facilitator and discussant: Jerry Skees, University of Kentucky

Rapporteurs:

Lisa Chassin and Amrei Lahno

Ravelijn 2503

de Nicola, International Food Policy Research Institute, (IFPRI), The value of (customized) insurance for farmers in rural Bangladesh.

Clarke, World Bank and University of Oxford, Improving farmers’ access to agricultural insurance in India.

Guush Berhane Tesfay, International Food Policy Research Institute, (IFPRI), Do informal risk-sharing groups reduce the challenges of providing weather indexed insurance products? Evidence from a randomized field experiment in Ethiopia.

17.45 - 19.30

Ravelijn Foyer

Drinks

Thursday 12 April, Second day

08.30 – 9.00

Ravelijn Foyer

Coffee and Tea

09.00 – 09.30

Waaier 4

Plenary key-note: Agriculture and natural disaster insurance

Jerry Skees, University of Kentucky

09.30-10.30

Waaier 4

Follow-up panel: Can weather-index products be good products?

Moderator: Dirk Reinhard, Munich Re Foundation

Panelists:

Jerry Skees, University of Kentucky

Daniel Clarke, World Bank and University of Oxford

Xavier Giné, World Bank

10.30 – 11.00

Ravelijn Foyer

Coffee and Tea

11.00 – 12.30

Ravelijn

2. Parallel sessions RA

2A. Insurance awareness, insurance literacy and marketing

Facilitator:

Michal Matul, ILO Microinsurance Innovation Facility

Discussant:

Markus Olapade, University of Mannheim

Rapporteur:

Lisa Chassin

Ravelijn 2501

LeMay-Boucher, Heriot-Watt University, Is it all about money? A randomized evaluation of the impact of insurance literacy and marketing treatments on the demand for health insurance in Senegal.

Owusu and Ackah, University of Ghana, Legon, Insurance awareness study in Ghana.

2B. Insurance choice decisions

Facilitator and discussant: Glenn Harrison, Center for Economic Analysis of Risk

Rapporteur:

Karla Henning

Ravelijn 2502

Kouamé, University of Cocody-Abidjan. Risk preferences and demand for insurance under price uncertainty: an experimental approach for cocoa farmers in Côte d’Ivoire.

Ikegami, International Livestock Research Institute (ILRI). Dynamic effects of index based livestock insurance on household intertemporal behavior and welfare.

2C. Access to and adoption of agricultural insurance

Facilitator and discussant: Xavier Giné

Rapporteur:

Amrei Lahno

Ravelijn 2503

Robles and Shekhar, International Food Policy Research Institute and, Centre for Insurance and Risk Management (CIRM) respectively. Smallholder access to weather securities: demand and impact on consumption and production decisions.

Ramasubramanian, University of Sussex. Willingness to pay for index based crop insurance in India.

Clarke, World Bank and University of Oxford, Weather-based crop insurance in India.

2D. Insurance in combination with other financial services

Facilitator: Vijay Kalavakonda, International Finance Corporation

Discussant: Robert Lensink, University of Groningen and Wageningen University

Rapporteur:

Jesse D’Anjou

Ravelijn 2504

De Nicola, International Food Policy Research Institute (IFPRI). Interplay between credit, insurance and savings for farmers in developing countries.

Morsink, Gebrehiwot, Geurts, Van der Veen, University of Twente. Changes in credit uptake and on-farm risk management preferences due to agriculture input insurance.

Pickett, The Wharton School of the University of Pennsylvania. Precautionary savings to manage common health risks among the poor.

2E Panel: part 1 out of 2

Joint panel University of Cologne, Erasmus University Rotterdam and Micro Insurance Academy India.

Developing efficient and responsive community-based micro health insurance in India.

Discussant: Fahdi Dkhimi, Institute for Tropical Medicine Antwerp

Rapporteur: Friederike Lenel

Ravelijn 1501

Panda and Van de Poel, Micro Insurance Academy and Erasmus University Reconciling research and implementation needs in micro health insurance experiments in India: Study protocol for a randomized controlled trial

Van de Poel, Erasmus University. Health shocks & financial implications for households in rural India .

Quintussi, University of Cologne. Group health insurance choices in rural India.

12.30 – 14.00

Ravelijn Foyer

Lunch

14.00 – 14.30

Waaier 4

Plenary key note: Health insurance

Bart Criel, Institute of Tropical Medicine Antwerp

14.30 – 15.30

Waaier 4

Follow-up panel Health insurance

Moderator: Thierry van Bastelaer, Abt Associates

Panelists:

Aaltje de Roos, Dutch Ministry of Foreign Affairs

Bart Criel, Institute of Tropical Medicine Antwerp

Genevieve Aryeetey, UMC St. Radboud Nijmegen

Denis Garand, Denis Garand Associates

15.30 – 16.00

Ravelijn Foyer

Coffee and Tea

16.00 – 17.30

Ravelijn

3. Parallel sessions RA

3A. Public Private Partnerships (PPP) and regulation

Facilitator:

Dirk Reinhard, Muniche Re Foundation

Discussant: Peter Geurts, University of Twente

Rapporteur:

Amrei Lahno

Ravelijn 2501

Goldboom, Free University Berlin. Is microinsurance different? Looking at public private partnerships from a social science perspective.

Camargo, University of Paris Dauphine. Protection of the ‘particular’ vulnerable situation of the microinsurance consumer.

Ayandev Saha, ICICI Prudential Life, India. Driving efficiency and growth in microinsurance through regulatory intervention – A perspective.

3B. Impact

Facilitator:

Anne van der Veen, University of Twente

Discussant:

Jacques van der Gaag, Amsterdam Institute for International Development

Rapporteurs:

Friederike Lenel

Ravelijn 2502

Krishnaswamy, CIRM, India, Impact of out-patient health insurance and preventive and promotive products in a randomized controlled trial experiment.

Landmann, Univerisity of Mannheim, Indirect effects of extending insurance coverage: An impact evaluation of a microinsurance innovation in Pakistan.

Dietrich, University of Goettingen, Colombia, Impact of agricultural insurance on small scale farmers: A natural experiment.

3C. Client orientation and client value from insurance

Facilitator: Aude de Montesquiou, World Bank CGAP

Discussant: Michal Matul, ILO Microinsurance Innovation Facility

Rapporteur:

Lisa Chassin

Ravelijn 2503

Duku, University of Ghana. Towards client-oriented health insurance system in Ghana.

Magnoni and Zimmerman, EA consultants, Microinsurance Learning and Knowledge (MILK) What is Client Math?

Geurts, University of Twente, Research designs for measuring the client value of microinsurance on low income households.

3D. Panel: part 2 out of 2

Joint panel University of Cologne, Erasmus University Rotterdam and Micro Insurance Academy India.

Developing efficient and responsive community-based micro health insurance in India

Discussant: Fahdi Dkhimi, Institute for Tropical Medicine Antwerp

Rapporteur: Jesse D’Anjou

Ravelijn 2504

Panda, Micro Insurance Academy. Factors Influencing Uptake of Micro Health Insurance Products in Rural India.

May, University of Cologne. Understanding Uptake Decisions in a Micro Health Insurance Programme in Northern India – Qualitative Evidence.

3E Agriculture insurance and risk management

Facilitator and discussant:

Kees de Bie, University of Twente

Rapporteur: Karla Henning

Ravelijn 1501

Meijerink, Wageningen University. Mapping weather index-based insurance in Mali using spatial data analysis

Mueller, Helmholtz Centre for Environmental Research (UFZ)

Pitfalls and potential of institutional change: Rain-index insurance and the

sustainability of rangeland management

19.00

De Twee Wezen, Hengelo

Conference dinner

Friday 13 April, Third day

08.30 – 9.00

Ravelijn Foyer

Coffee and Tea

9.00 – 10.30

Ravelijn

4. Parallel sessions

4A. Comparing health seeking behavior of insured versus uninsured

Facilitator:

Sophie Wiesner, Appui au Développement Autonome

Discussant:

André Leliveld, African Studies Centre

Rapporteur:

Amrei Lahno

Ravelijn 2501

Bonfrer, Erasmus University, Health shocks and foregone care in rural Kenya.

Owoeye, University of Ibadan, Nigeria. Effect of Health Insurance on the Demand for Health Care in Oyo State, Nigeria.

Sinha, Vimo SEWA, India, Understanding Hospitalization among Insured Women.

4B. Panel: Giesbert,

The Role of Perceptions and Trust in the Adoption of Microinsurance

Facilitator and discussant:

Susan Steiner, German Institute for Economic Research (DIW)

Rapporteur:

Karla Henning

Ravelijn 2502

Morsink, Geurts, University of Twente The trusted neighbour effect:

Local experience and demand for microinsurance.

Olapade and Frölich, University of Mannheim, The impact of insurance literacy education on knowledge, attitude and behavior -A randomized controlled trial.

Giesbert, GIGA, Perceptions of (micro)insurance in southern ghana: The role of information and peer effects.

4C. Panel: Amsterdam Institute for International Development

Impact and demand for the rural Hygeia Community Health Plan (HCHP) in Nigeria

Discussant: Michael Grimm, International Institute of Social Studies (ISS) of Erasmus University.

Rapporteur: Friederike Lenel

Ravelijn 2503

Akande, Does the economic status of rural dwellers in Nigeria affect out-of-pocket and transportation expenditures for health? The role of geography versus poverty.

Janssens, VU University, Affordability, accessibility and quality in health care provider choice: the case of Nigeria.

Kramer, Tinbergen Institute, Explaining demand for subsidized community-based health insurance in rural Nigeria.

Van der Gaag and Gustafsson-Wright, AIID and Brookings Institution, The impact of the HCHP on health care utilization and out-of-pocket health expenditures.

4D. Exploration of how existing informal insurance structures can be linked to formal insurance structures

Facilitator:

Toon Bullens, Nijenrode University

Discussant:

Tagel Gebrehiwot, University of Twente

Rapporteur:

Lisa Chassin

Ravelijn 2504

Smith, CENFRI, The business of death: Informal insurance by funeral undertakers in South Africa.

Nuer, Wageningen University, The role of microinsurance in agri-business supply chains: A case of small holder dairy farming in Zambia.

4E Session proposal: World Bank and University of Oxford

Actuarial principles for microinsurance: what you should know and what we have yet to learn?

Facilitator:

Jerry Skees, University of Kentucky

Rapporteur: Jesse D’Anjou

Ravelijn 1501

Clarke, World Bank and University of Oxford, Index based crop insurance product design and ratemaking: The case of the modified NAIS in India.

Garand,

Biener, University of St. Gallen, Pricing in Microinsurance Markets.

10.30 – 11.00

Ravelijn Foyer

Coffee and Tea

11.00 – 12.30

Ravelijn

5. Parallel sessions

5A. PhD research proposal session

Facilitator:

Malika Hamadi, University of Luxembourg

Discussing committee:

Peter Geurts, University of Twente

Susan Steiner, German Institute for Economic Research (DIW)

Daniel Clarke, University of Oxford and World Bank

Glenn Harrison, CEAR

Anne van der Veen, University of Twente

Concluding:

Emily Zimmerman, MILK, Potential for research collaboration (12.15 – 12.30)

Ravelijn 2501

Lenel, German Institute for Economic Research (DIW) Access to Microinsurance and Social Networks.

Henning, PhD student Planet Guarantee, The effect of microinsurance on informal risk management in solidarity networks.

Lahno, University of Munich, Peer effects and the demand for microinsurance.

D’Anjou, Université Libre de Bruxelles, Essays on microinsurance in fragile states; A micro-level quantitative understanding of the mechanisms behind microinsurance challenges in an empirical setting.

Jozwik, University of Oxford, The impact of different index insurance schemes on continued adoption of yield-improving technologies: evidence from a framed field experiment in Ghana.

5B. ‘Health insurance demand’

Research presented during the conference about health insurance demand is discussed and concluded.

Facilitators:

Grimm, International Institute of Social Studies (ISS) of Erasmus University.

Morsink, University of Twente

Discussants:

Thierry van Bastelaer, Abt Associates

Jacques van der Gaag, AIID and Brookings Institute, TBC

Fahdi Dkhimi, Institute for Tropical Medicine Antwerp, TBC

Ravelijn 2502

Presenters:

Stella Quimbo, International Institute of Social Studies (ISS)