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.

MicroEnsure bundled insurance with mobile loans and airtime in 15 countries. By 2016, this model had scaled to reach over 40 million clients and included 200+ insurance products. It illustrates a high-impact approach to mobile-enabled microinsurance delivery with large-scale outreach.

Field accident insurance – PROFIN Foundation. This case highlights a specialized microinsurance product developed in Bolivia to cover medical expenses resulting from injuries during official soccer, basketball, and volleyball matches. Distributed through sports associations, the product is tailored to the needs of amateur athletes and addresses a previously uninsured risk segment. It showcases how inclusive insurance can be adapted to community-based distribution and activity-specific protection.

Since 2018, Bolivia's PROFIN Foundation has offered a unique sport accident insurance for amateur football players with no medical coverage. The product is distributed through sports associations and covers players' injuries during official matches. Today it protects over 9,000 players, and has prompted other insurers in Bolivia to develop similar offerings.