Ensuring mutual benefit : the role and regulation of member-owned insurers

These focus notes and other material related to the project can be downloaded at www.cenfri.orgFrench version available in IDRC Digital Library: Garantir un avantage réciproque : le rôle et la réglementation des assureurs détenus par des membres http://idl-bnc.idrc.ca/dspace/handle/10625/46676This document is part of a five-country study on the role of policy, regulation and supervision in microinsurance for the poor. It deals with member-owned organisations that provide a form of risk pooling or insurance coverage to members, including cooperatives and mutual insurers. It explores common characteristics as well as varying features that affect how such entities operate, their risk management practices, and how regulation should deal with them. As member-owned organisations progress from informal risk-pooling groups to larger and more sophisticated entities, regulatory support may need to compensate for structural change