Photo essay by ADFI and Pula showing gender-inclusive insurance design using mobile platforms and bundled climate microinsurance products across Kenya, Nigeria, and Zambia.

Describes FCMBeta Health, a women-focused micro health insurance product in Nigeria, bundled with micro-loans, offering hospital cash and maternity coverage. Over 90,000 enrolled by 2025.

WFP and UNCDF piloted cyclone parametric insurance in Fiji for ~325 vulnerable households. This macro–micro model enabled payouts via mobile wallets within 3–5 days after disasters, offering financial protection to the poorest social welfare recipients.

WFP Nicaragua implemented a risk-layered insurance approach through the R4 Rural Resilience Initiative and sovereign CCRIF coverage.