This World Bank report analyzes how Philippine insurers adapted to COVID-19 and how their inclusive insurance models helped maintain resilience for over 38 million microinsurance policyholders. The study highlights product innovations, digital transformation, and lessons for future crisis response through inclusive insurance strategies.

Pioneer Microinsurance in the Philippines built a strong customer-centric culture by leveraging client data and insights and embedding customer-focused behaviors across the organization. This approach improved the customer experience, strengthened client value, and drove significant business growth, including higher policy renewals and expanded outreach.

Details how Zambia created an inclusive insurance ecosystem through coordinated efforts and industry-wide stakeholder engagement. Zambia's Technical Advisory Group (TAG) led a structured process to align stakeholders, catalyze innovation, and grow the microinsurance market.