Microinsurance is the provision of low-cost and simple insurance services to low-income populations in developing and emerging countries. These population segments are typically excluded from mainstream insurance markets and functioning social security networks. By serving this large population’s need for insurance, microinsurance has the potential to contribute considerably to poverty reduction and improvement of living and working conditions. In the last few years, experiences with microinsurance schemes, ranging from agricultural via health to life insurance products, have multiplied. Some of the global commercial insurers, as well as microinsurance experts and development agencies, have entered this market. This course explores concepts and actions to develop insurance services and the relationships between coverage, customer acceptance, and financial outcomes for the insurance provider by means of a review of the theory and practice of microinsurance, and the practical application through discussions and case studies. 

Target audience

The course is designed for organizations that support the development of microinsurance. The target audience includes people who are considering establishing microinsurance schemes, staff of microinsurance companies, established insurance companies that are considering entering the microinsurance market, regulators, policy makers and those working in financial inclusion.


Participants have a graduate degree and several years of working experience. The course language is English.


This course of two days allows participants to gain a basic understanding of microinsurance and learn in particular about key aspects and key challenges in providing insurance services in emerging and developing economies. They explore theory and practice of offering microinsurance products to low-income customers in developing and emerging countries, where social security systems typically fail to reach the majority of the population. Participants get a better understanding of how the process and components of microinsurance schemes interrelate and help to overcome specific problems in microinsurance markets. They learn about institutional choices and different forms of partnership models to offer such services and discuss potential advantages and disadvantages. Different types of microinsurance products, such as agriculture and disaster insurance, health and life insurance are discussed in more detail. The course is completed by the analysis of the attractiveness of the market from the perspective of commercial players.

Course director

Dr. Annette Krauss, Center Sustainabe Finance & Private Wealth, University of Zurich

Lecturers and expert speakers

Craig Churchill International Labor Office
Roland Steinmann MicroInsurance Centre, Zurich
Different panel speakers From global insurance companies engaged in emerging consumer insurance


Active classroom attendance and case study


Attestation of participation (2 ECTS).

The credits can be transferred to the CAS in Sustainable Finance executive degree program or to the MAS/DAS in Finance.


Presentations of conceptual frameworks with practical exercises and applications, complemented by discussions and exchange of experiences, group work exercises, and case studies. Course content is presented by renowned practitioners and specialists from academia.

Place & Date

Event Date Place
Lecture June 2020 Zurich
Lecutre June 2020 Zurich

Application deadline: June 2020


CHF 1’500.- tuition. Tuition covers all materials and breaks. Participants should bring their own laptops.

Travel and accommodation are not included.