Insurance enabled by Mobile Mone

In this questionnaire, participants are asked to report data for 4 months of the year: September 2016, December 2016,

MOBILE INSURANCE

Insurance enabled by mobile money uses the mobile money account offer micro-insurance services.

Insurance services who meet the following criteria are eligible to participate in the survey:
• The service must allow customers to manage risks by providing a guarantee of compensation for specified loss, dam
• To use the service the customer must have a mobile money account.
• The customers should be able to pay the premium using the mobile account, and receive the claim using the mobile
a mobile money account).
• The insurance product should be technically integrated with the mobile money account, and rely heavily on mobile te
• Services where the mobile phone is just another channel for the clients of an insurance company to access a tradition
• The service must offer customers an interface for managing the insurance product for customers that is available on

Disclaimer: Many mobile insurance services rely on airtime deduction to pay for premiums. Although airtime-b
be a stepping stone for mobile money-based insurance products. Therefore, we will continue to track airtime-
airtime-based - please fill in the questionnaire

If you offer multiple types of insurance, please co

Do you offer mobile insurance?

General information
Country
Name of your organisation
Name of your mobile insurance product
Currency values reported in (please select from list)

Product information
Date of launch (dd/mm/yyyy)

What type of insurance are you providing? (please select yes/no against insurance type)
Life / funeral
Health / hospital
Accident / disability
Agricultural / crop / weather index
Other (please specify)
Which mobile network operator have you partnered with to offer mobile insurance?

Why did you choose to partner with this mobile phone network?

Which company is your technical service provider / underwriter?

Why did you choose to partner with this company

What are the primary drivers behind your choice to offer mobile insurance?
What are the target customer segment(s) for your insurance product?

What commercial model does this product have?

Free / Loyalty
Freemium
Premium
If other, please specify:

Number of policies issued (cumulative total)

Number of policies in force (active)
- Of which are premium (paid) policies
Number of beneficiaries
Number of insurance policies paid via mobile money (cumulative)
Number claim payments disbursed via mobile money (cumulative)

Value of premiums collected during the month

Volume / number of claims paid out during the month
Value of claims paid out during the month

When a customer makes a claim, on average, how many working days pass between
submitting the correct documentation and paying a claim?

Does your service offer a smartphone app for customers to manage their policies?

Are you planning to expand your insurance products offering in the next year?
Number of full-time employees (including partner organisations) in June

Yes
No

Free / loyalty
Freemium
Premium

Mobile Money
Airtime deduction
Both Airtime deduction and Mobile Money
The product is only provided for free
nabled by Mobile Money 2017 Global Adoption Survey

ear: September 2016, December 2016, March 2017 and June 2017. Please provide numbers for each of these months, not for the full q

o-insurance services.

he survey:
f compensation for specified loss, damage, illness or death.

and receive the claim using the mobile account (unless the beneficiary mobile money account has exceeded the limit, or the beneficiary

account, and rely heavily on mobile technology throughout the customer journey.
nsurance company to access a traditional insurance products should not be included.
duct for customers that is available on mobile devices (SMS, USSD, call centre, smartphone app)

pay for premiums. Although airtime-based services are not enabled by mobile money, airtime-based insurance is unique as it h
ore, we will continue to track airtime-based insurance services despite these services being outside our current scope. If your

multiple types of insurance, please complete one questionnaire per type/product

 Sep-16 Dec-16 Mar-17

Sep-16 Dec-16 Mar-17

Customers can
Customers can Customers can
register at a
subscribe using only register at the
mobile money
their mobile insurer's agency
agent
 Yes, but only for
customers who
Yes, for all
No have a certain
customers
level of GSM
usage
ch of these months, not for the full quarter.

xceeded the limit, or the beneficiary does not have

-based insurance is unique as it has proven to

outside our current scope. If your service is

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Other (please specify)

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Mar-17 Jun-17 ###
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Mar-17 Jun-17 ###
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Other - Please
specify
Yes, but only for
customers who
have a certain
level of mobile
money activity
Other (please specify)
0
Yes

No

Yes
No, but I am planning to launch it within the next year

No, and I am not planning to launch it within the next year

Life / funeral insurance

Health / hospital insurance

Accident / disability insurance
Agriculture / crop / weather index insurance
Combination products (e.g., Life and hospital insurance)
Other

under VAS or is it within Mobile financial service business unit?

Value added services
Mobile financial services business unit

Premiums can be paid using mobile money

Premiums are deducted from prepaid airtime accounts

Mobile Money
Airtime deduction

The product is only provided for free

Yes, there is a smartphone app

No, but we are planning to launch a smartphone app the next 12 months
No, we are not planning to launch a smartphone app
Free insurance tied to customers usage of the mobile money account
Undecided Free insur
Free insura

Mobile Mon
Premium pr
AED - United Arab Emirates Dirham

AFN - Afghanistan Afghani

ALL - Albania Lek

AMD - Armenia Dram
ANG - Netherlands Antilles Guilder
AOA - Angola Kwanza

ARS - Argentina Peso

AUD - Australia Dollar

AWG - Aruba Guilder
AZN - Azerbaijan New Manat

BAM - Bosnia and Herzegovina Convertible Marka

BBD - Barbados Dollar

BDT - Bangladesh Taka
BGN - Bulgaria Lev
BHD - Bahrain Dinar
BIF - Burundi Franc
BMD - Bermuda Dollar
BND - Brunei Darussalam Dollar
BOB - Bolivia Boliviano
BRL - Brazil Real
BSD - Bahamas Dollar
BTN - Bhutan Ngultrum
BWP - Botswana Pula
BYR - Belarus Ruble
BZD - Belize Dollar
CAD - Canada Dollar
CDF - Congo/Kinshasa Franc

CLP - Chile Peso Technical capabilities

CNY - China Yuan Renminbi Special knowledge of customer segment

COP - Colombia Peso Innovative and new company

CUC - Cuba Convertible Peso Distribution

CUP - Cuba Peso Access to a new target segment
CZK - Czech Republic Koruna
FKP - Falkland Islands (Malvinas) Pound
GBP - United Kingdom Pound

GEL - Georgia Lari

GHS - Ghana Cedi
GTQ - Guatemala Quetzal
GYD - Guyana Dollar
HKD - Hong Kong Dollar
HNL - Honduras Lempira

HRK - Croatia Kuna

HUF - Hungary Forint

IDR - Indonesia Rupiah
ILS - Israel Shekel

IMP - Isle of Man Pound

INR - India Rupee
IQD - Iraq Dinar
IRR - Iran Rial
ISK - Iceland Krona
JEP - Jersey Pound
JMD - Jamaica Dollar
JOD - Jordan Dinar
JPY - Japan Yen
KES - Kenya Shilling
KGS - Kyrgyzstan Som
KHR - Cambodia Riel

KMF - Comoros Franc

KPW - Korea (North) Won

KRW - Korea (South) Won
KWD - Kuwait Dinar

KYD - Cayman Islands Dollar

KZT - Kazakhstan Tenge
LAK - Laos Kip
LBP - Lebanon Pound
LKR - Sri Lanka Rupee
LRD - Liberia Dollar
LSL - Lesotho Loti
LTL - Lithuania Litas
LVL - Latvia Lat
LYD - Libya Dinar
MAD - Morocco Dirham
MDL - Moldova Leu
MGA - Madagascar Ariary
MKD - Macedonia Denar
MMK - Myanmar (Burma) Kyat
MNT - Mongolia Tughrik
MOP - Macau Pataca
MRO - Mauritania Ouguiya
MUR - Mauritius Rupee
MVR - Maldives (Maldive Islands) Rufiyaa
MWK - Malawi Kwacha
MYR - Malaysia Ringgit
MZN - Mozambique Metical
NAD - Namibia Dollar
NGN - Nigeria Naira
NIO - Nicaragua Cordoba
NOK - Norway Krone
NPR - Nepal Rupee
NZD - New Zealand Dollar
OMR - Oman Rial
PAB - Panama Balboa
PEN - Peru Nuevo Sol
PGK - Papua New Guinea Kina
PHP - Philippines Peso
PKR - Pakistan Rupee
PLN - Poland Zloty
PYG - Paraguay Guarani
QAR - Qatar Riyal
RON - Romania New Leu
RSD - Serbia Dinar
RUB - Russia Ruble
RWF - Rwanda Franc
SAR - Saudi Arabia Riyal
SBD - Solomon Islands Dollar
SCR - Seychelles Rupee
SDG - Sudan Pound
SEK - Sweden Krona
SGD - Singapore Dollar
SHP - Saint Helena Pound
SLL - Sierra Leone Leone
SOS - Somalia Shilling
SPL* - Seborga Luigino
SRD - Suriname Dollar
STD - São Tomé and Príncipe Dobra
SVC - El Salvador Colon
SYP - Syria Pound
SZL - Swaziland Lilangeni
THB - Thailand Baht
TJS - Tajikistan Somoni
TMT - Turkmenistan Manat
TND - Tunisia Dinar
TOP - Tonga Pa'anga
TRY - Turkey Lira
TTD - Trinidad and Tobago Dollar
TVD - Tuvalu Dollar
TWD - Taiwan New Dollar
TZS - Tanzania Shilling
UAH - Ukraine Hryvna
UGX - Uganda Shilling
USD - United States Dollar
UYU - Uruguay Peso
UZS - Uzbekistan Som
VEF - Venezuela Bolivar Fuerte
VND - Viet Nam Dong
VUV - Vanuatu Vatu
WST - Samoa Tala
XAF - Communauté Financière Africaine (BEAC) CFA Franc BEAC
XCD - East Caribbean Dollar
XDR - International Monetary Fund (IMF) Special Drawing Rights
XOF - Communauté Financière Africaine (BCEAO) Franc
XPF - Comptoirs Français du Pacifique (CFP) Franc
YER - Yemen Rial
ZAR - South Africa Rand
ZMK - Zambia Kwacha
ZWD - Zimbabwe Dollar
of customer segment

get segment
The 2017 Global Mobile Money Adoption Survey

Key definitions
Policies issued
Policies in force

Beneficiaries
Mobile Money Adoption Survey

The cumulative number of policies that have been issued since the launch of the service.
The number of policies that are in force rather than lapsed, effectively protecting the subscribers.
The total number of people benefiting from the insurance, including both subscribers of the policy and indirect
beneficiaries such as relatives being covered under the policy.