ejercicios unidad #5 michael parkinFull description
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MICRO INSURANCE Bachelor of Commerce [Banking & Insurance] Semester VI (2011-2012)
Submitted In partial Fulfillment of the requirements For the award of degree of B.COM---Banking & Insurance By
SARIKA SHRIPAT JADHAV SEAT NO__________
TOLANI COLLEGE OF COMMERCE 150-151, Sher-E-Punjab Society, Andheri (E), Mumbai – 400 093.
CERTIFICATE This is to certify that Miss SARIKA SHRIPAT JADHAV of B.Com. Banking & Insurance Semester VI (2011-2012) has successfully completed the project on “DERIVATIVES” under the guidance of PROFESSOR JITENDRA AHERKAR.
Principal______________
Course coordinator ______________
Project Guide/ Internal Examiner___________
External Examiner___________
DECLARATION I, SARIKA SHRIPAT JADHAV, a student of B.Com. Banking & Insurance Semester VI (2011-2012) hereby declare that I have completed the project on “MICRO INSURANCE”.
The information submitted is true and original to the best of my knowledge.
Signature of Student
SARIKA SHRIPAT JADHAV SEAT NO. _______
AKNOWLEDGEMENT
At the outset I take the privilege to convey my gratitude to those who cooperated, supported, helped and suggested me to accomplish the project work. This project work bear’s imprint, of many people who are either directly or indirectly involved in the completion of it.
I am also desirous of placing on record profound indent to the University of Mumbai for giving me permission to commence this thesis in the second instance and to do the necessary research work.
I am deeply indebted to, my mentor and project guide Prof. Jitendra for his valuable advice, guidance and precious time that he offered. He motivated me to undertake this detailed study and helped me with all my queries. Thanks a lot, sir!
I have had suggestions to improve this report from a number of my colleagues. I am grateful to them, and to colleagues who worked tirelessly in its preparation. Also I thank my family for supporting me.
EXECUTIVE SUMMARY
Micro-insurance is a term increasingly used to refer to insurance characterized by low premium and low caps or low coverage limits, sold as part of a typical risk-pooling and marketing arrangements, and designed to service low-income people and businesses not served by typical social or commercial insurance schemes. The institutions or set of institutions implementing micro-insurance are commonly referred to as a microinsurance scheme. In this project, I have tried to explain the concept of Micro-Insurance, its products as well as the levels at which it is used and its IRDA regulation. Along with its delivery models and scheme. And the development of Micro-Insurance in India with its supply and demand development. I have also given example of micro insurance policy from Life Insurance of India (LIC)
The main objective of me doing this project was to learn about MicroInsurance with its various facilities. After studying this in detail I have found that Micro – Insurance is the backbone in development of lower class people.
INDEX
SR. CHAPTERS
PAGE NO.
Micro - Insurance
01-11
NO. 1. 1.1
History
1.2
Introduction
1.3
Definition
2.
IRDA’s Regulations on Insurance
3.
Micro – Insurance Products 3.1
Crop Insurance
3.2
Health Insurance
3.3
Term Life Insurance
3.4
Disability Insurance
Micro-
Agricultural Micro – Insurance: Global Practices and Prospects
4. 4.1
Introduction to Agricultural Micro – Insurance
4.2
The landscape of Agricultural Micro – Insurance
12-14 15-20
21-28
4.3
Increasing Access to Agricultural Micro – Insurance
4.4
Levels
5.
Micro – Insurance Delivery Models
29-30
6.
Micro – Insurance Scheme
31-32
7.
Development of Micro – Insurance in India
33-35
8.
Supply & Demand Side Development
36-42
8.1
Supply of Micro – Insurance
8.2
Demand for Micro – Insurance Micro – Insurance Needs Technology Push A Challenge
9.
10.
9.1
Viability & Relevance
9.2
Solution is in Innovation Micro – Insurance Plans By Life Insurance Of India (LIC)