{"id":2770,"date":"2018-11-10T19:45:01","date_gmt":"2018-11-10T19:45:01","guid":{"rendered":"https:\/\/microinsurancemaster.org\/?p=2770"},"modified":"2023-02-22T14:56:40","modified_gmt":"2023-02-22T14:56:40","slug":"5-key-lessons-from-microinsurance-master","status":"publish","type":"post","link":"https:\/\/microinsurancemaster.org\/5-key-lessons-from-microinsurance-master\/","title":{"rendered":"5 Key Lessons from Pioneer Microinsurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2770\" class=\"elementor elementor-2770\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1efa2220 margin_top1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1efa2220\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-269c4e47\" data-id=\"269c4e47\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11934b9a main-article-title elementor-widget elementor-widget-heading\" data-id=\"11934b9a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\"><br><br><br>5 Key Lessons from Pioneer Microinsurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75042e7d elementor-widget elementor-widget-image\" data-id=\"75042e7d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/elementor\/thumbs\/thumbnail-2-qb3jfwccazi95miite7qp51bnv2lzr75twaaiwduyi.jpeg\" title=\"5 Key Lessons _1\" alt=\"5 Key Lessons _1\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14ce26c4 margin_top1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14ce26c4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4489a5d5\" data-id=\"4489a5d5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d367a65 elementor-widget elementor-widget-spacer\" data-id=\"d367a65\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70ce0620 elementor-widget elementor-widget-text-editor\" data-id=\"70ce0620\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-size: 14px;\">With an average staff age of 24, mostly graduates fresh out of college without any insurance experience, Pioneer Microinsurance in the Philippines is nothing like a typical insurer.<\/span><\/p><p>Yet, this team grew their microinsurance business from 250,000 policies to over 18 million enrolments in five years.<\/p><p>With the Microinsurance Master accelerator programme, we already had the pleasure to stay at this special place in 2018, 2019 and 2022 for two weeks and learn all about Pioneer&#8217;s \u2018secret sauce&#8217; in serving consumers in an emerging market.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5d086c elementor-widget elementor-widget-spacer\" data-id=\"f5d086c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7141f6 elementor-widget elementor-widget-heading\" data-id=\"f7141f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\"><b>What exactly did participants learn?<\/b><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fdecf03 elementor-widget elementor-widget-image\" data-id=\"1fdecf03\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/elementor\/thumbs\/thumbnail-1-qb3jj30ngrv8i1vy7rs85c3k4vde2tuexnvj2nnuww.jpeg\" title=\"5 Key Lessons _2\" alt=\"5 Key Lessons _2\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32bd08af elementor-widget elementor-widget-text-editor\" data-id=\"32bd08af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Many people have asked us what participants learnt from Pioneer and the Microinsurance Master accelerator programme.<\/p><p>Sometimes it was a detail, like a poster in the elevator, that gave one of our participating leaders a flash insight into how operations could be improved back home.<\/p><p>But the five biggest learning points can be summarised as follows:<\/p><ol><li style=\"text-align: left;\"><strong><em><span style=\"color: #000000;\">Act on purpose<\/span><\/em><\/strong><\/li><li style=\"text-align: left;\"><strong><em><span style=\"color: #000000;\">Learn to unlearn<\/span><\/em><\/strong><\/li><li><strong><em><span style=\"color: #000000;\">Adopt a customer-centric business model<\/span><\/em><\/strong><\/li><li style=\"text-align: left;\"><strong><em><span style=\"color: #000000;\">Build true partnerships<\/span><\/em><\/strong><\/li><li style=\"text-align: left;\"><strong><em><span style=\"color: #000000;\">Use claims as a growth engine<\/span><\/em><\/strong><\/li><\/ol><p>Each of these points deserves a dedicated post, but following is a quick summary.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10244f1 elementor-widget elementor-widget-text-editor\" data-id=\"10244f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><img decoding=\"async\" class=\"alignnone  wp-image-2801\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2018\/11\/Icon_1.png\" alt=\"\" width=\"40\" height=\"41\" \/>\u00a0\u00a0<span style=\"color: #3fae07; font-family: simplifica; font-size: 2rem; font-style: normal; font-weight: bold; letter-spacing: 1.2px;\">1. Act on purpose<\/span><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bddebc elementor-widget elementor-widget-text-editor\" data-id=\"4bddebc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-size: 14px;\">Developing microinsurance is not easy. It requires you to build the plane while flying it.\u00a0<\/span><\/p><p>Organisations that thrive in microinsurance have a clear sense of their purpose: of why they\u2019re doing what they\u2019re doing.<\/p><p>A strong purpose helps to align the entire organisation and all actions towards a clear objective and provides a guiding North star in difficult times.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5e2bf2 elementor-widget elementor-widget-text-editor\" data-id=\"e5e2bf2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><img decoding=\"async\" class=\"\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2018\/11\/Icon_2-1.png\" alt=\"\" width=\"45\" height=\"45\" \/>\u00a0 \u00a0<span style=\"color: #3fae07; font-family: simplifica; font-size: 2rem; font-style: normal; font-weight: bold; letter-spacing: 1.2px;\">2. Learn to unlearn\u00a0<\/span><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c2bcc9 elementor-widget elementor-widget-text-editor\" data-id=\"9c2bcc9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Or as Lorenzo Chan, CEO of Pioneer Life, puts it:<\/p><p style=\"text-align: center;\"><em>\u201cDon&#8217;t think outside the box; throw the box away.\u201d<\/em><\/p><p>Microinsurance is nothing like the traditional insurance that we all grew up with. It is an unknown product for an unknown customer segment that requires entirely new recipes.<\/p><p>Classic insurance-product knowledge can be a burden rather than an asset. Insurance solutions need to be rethought from scratch, rather than trying to retrofit micro into traditional processes and models.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8983a6 elementor-widget elementor-widget-text-editor\" data-id=\"c8983a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span style=\"font-size: 2rem; font-weight: bold;\"><img decoding=\"async\" class=\"alignnone wp-image-2799\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2018\/11\/Icon_3.png\" alt=\"\" width=\"51\" height=\"51\" \/>\u00a0 3. Adopt a customer-centric business model<\/span><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82151a7 elementor-widget elementor-widget-text-editor\" data-id=\"82151a7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Pioneer Microinsurance built its operations around the client, not the other way around.<\/p><p>The organisation is not siloed around products or functions but is organised in cross-functional teams for each client account. All new hires even go to live with insured clients to better understand the people they serve.<\/p><p>Their customer-centric practise has served as one of the seven examples globally on which CGAP built its <a href=\"http:\/\/customersguide.cgap.org\/\" target=\"_blank\" rel=\"noopener\">customer-centric guide<\/a> for financial inclusion.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99b4073 elementor-widget elementor-widget-text-editor\" data-id=\"99b4073\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span style=\"font-size: 2rem; font-weight: bold;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-2806\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2018\/11\/Icon_4.png\" alt=\"\" width=\"58\" height=\"35\" \/>\u00a0 4. Build true partnerships<\/span><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2485c63b elementor-widget elementor-widget-text-editor\" data-id=\"2485c63b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In microinsurance, it takes two to tango.<\/p><p>Most microinsurance solutions are born out of the collaboration between an insurer and a distribution partner. To truly flourish, both partners need to benefit and trust each other. One of the foundations of such a partnership is the alignment in vision and a focus on the value proposition of insurance, rather than simply income.<\/p><p>Pioneer has taken the meaning of partnerships to new heights with Card Pioneer: its joint venture with the largest microfinance institution in the country, Card MRI.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aab09d8 elementor-widget elementor-widget-text-editor\" data-id=\"aab09d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><span style=\"font-size: 2rem; font-weight: bold;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2808\" src=\"https:\/\/microinsurancemaster.org\/wp-content\/uploads\/2018\/11\/Icon_5.png\" alt=\"\" width=\"41\" height=\"41\" \/>\u00a0 \u00a05. Use claims as a growth engine<\/span><\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cea3b elementor-widget elementor-widget-text-editor\" data-id=\"e9cea3b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Paying claims is more than a duty for insurers. It is not just an expense. It is an investment and an opportunity to demonstrate the value of insurance.<\/p><p>Several microinsurers, including Pioneer, have demonstrated that paying claims well (and fast) pays off. Pioneer had to pay many claims after typhoon Hyan in 2014. Premium income increased from 1 million to 7 million USD the subsequent year.<\/p><p>\u00a0<\/p><p>Obviously, these five learning points don&#8217;t work in isolation but tend to reinforce each other. It is truly an eye-opening experience to see these at work and understand how they can lead to real, positive results.<\/p><p><strong><em>The next edition of our annual accelerator programme will start on 3 July 2023 with a two-week immersion in Kenya, followed by three months of mentoring by industry leaders. You will work with the leadership of Pioneer Insurance and other microinsurance champions to accelerate your activities.\u00a0<\/em><\/strong><\/p><p><strong><em><a href=\"https:\/\/microinsurancemaster.org\/apply-now\/\" target=\"_blank\" rel=\"noopener\">Apply now <\/a>if you want to be amongst the 20 selected leaders to join our journey.<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-178f18a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"178f18a7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-794d551f\" data-id=\"794d551f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-53465caf\" data-id=\"53465caf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>These are the 5 key learnings from Pioneer Microinsurance in the Philippines according to the Microinsurance Master participants who spent 2-weeks there in 2018, 2019 and 2022.<\/p>\n","protected":false},"author":1,"featured_media":2924,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - 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