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The Third Way to Social Protection: Promoting Group-Based Micro Insurance

When governments want to improve the social protection of their citizens, they usually try either to extend the coverage of public social insurance or assistance schemes or to promote commercial savings or insurance products. A third possibility only rarely used is to promote self-help groups that are already in place in very many countries all over the world. Such groups organise risk prevention, joint saving, risk diversification and insurance, although their members are often relatively poor. Many big insurance companies in industrialised countries also go back to such kinds of mutual insurance initiatives. But most insurance groups in developing countries today need support to become more efficient. Governments and donors can help them by imparting skills, promoting networking among them, providing financial support; helping them build up arbitration facilities; and liberalizing NGO and association laws.