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Emerging Consumers (formerly Microinsurance)

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Allianz contacts in your region/country

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The figures and forecasts provided by our Allianz global research network are designed to back your decisions on investment and in finance and insurance matters.

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  • How to buy/How to partner

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  • Video gallery

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Tailored insurance

Tailored insurance for low-income families

Allianz offers a range of product solutions that are specifically tailored to the needs of low-income families. Key markets are developing countries in Asia, Africa and Latin America where over 50 million low-income people are already reached by financial services from Allianz. 

Products

Products

The following products for low-income people are generally on offer:

  • Education insurance
  • Savings plans
  • Term Life
  • Credit Life
  • Disability insurance
  • Personal Accident
  • Motorcycle insurance
  • Home insurance
  • Livestock insurance
  • Rainfall insurance for farmers

Availability and product features vary per market. For more product details and indicative prices refer to our Emerging Consumers product pool.

Markets

Markets

Allianz offers financial services for Emerging Consumer  in more than 10 countries, including India, Indonesia, Malaysia, Colombia and several African countries.

For a detailed overview on our markets refer to our latest Emerging Consumers business update or to our interactive worldmap above.

How to buy/How to partner

How to buy/How to partner

Allianz Emerging Consumers products are typically available through a range of distribution partners. These are mostly banks, microfinance institutions and cooperatives. Increasingly, Allianz is also partnering with telecommunication companies, retailers and consumer good companies to make its services accessible to a wider audience.

If you are interested in purchasing microinsurance or financial products yourself or in partnering with Allianz for distribution, please contact our local Allianz companies or our global Emerging Consumers team at below contact. They will be happy to guide you to an appropriate distribution partner near you, or to enable you to become a distribution partner yourself.

Our Emerging Consumers approach

Our Emerging Consumers approach

Our approach to serving low-income communities is based on 4 key values:

  • passion to serve the low-income market segment;
  • high quality in products and processes;
  • fairness in pricing and customer treatment;
  • transparency of our approach, both to policyholders and the general public.

Learn more about our approach here.

Video gallery

Video gallery

Have a look at our video gallery on YouTube to watch testimonials and documentaries on our microinsurance programs.

Contact

Contact Allianz's Emerging Consumers expert

Allianz SE

Martin Hintz
Königinstraße 28
80802 Munich, Germany

Send e-mail

Emerging Consumer initiatives around the world

Overview

Overview

Insured Lives 31-Dec-2014: 44.6mn
Premium 2014: €113.7mn
Micro start year: 2004
Distribution partners: 576
Products: Cattle, Credit Life, Crop Index, Funeral, Home Business, Hospitalization, Life & Savings, Motorcycle, Personal Accident, Term Life

Videos:

Global claim stories
Customer Awareness Interviews
Cyclone India
Insurance Game

Burkina Faso

Burkina Faso

Insured Lives 31-Dec-2014: 280,000
Premium 2014: €350,000
Micro start year: 2009
Companies: Allianz Burkina Assurance / Allianz Burkina Assurance Vie
Distribution partners: 23
Products: Credit Life, Crop Index, Mobile Term Life Plus, Term Life

Cameroon

Cameroon

Insured Lives 31-Dec-2014: 1,000
Premium 2014: €15,000
Micro start year: 2008
Company: Allianz Cameroun Assurance Vie
Distribution partners:3
Products: Credit Life

Colombia

Colombia

Insured Lives 31-Dec-2014: 290,000
Premium 2014: €9.3mn
Micro start year: 2007
Company: Allianz Colombia
Distribution partners: 2
Products: Family Term Life, Home Business, Life & Maternity

Videos:

Claim Story Colombia (1)
Claim Story Colombia (2)

Egypt

Egypt

Insured Lives 31-Dec-2014: 16,000
Premium 2014: €20,000
Micro start year: 2007
Company: Allianz Assurance Egypt
Distribution partners: 1
Products: Credit Life

India

India

Insured Lives 31-Dec-2014: 39.8mn
Premium 2014: €89.3mn
Micro start year: 2004
Companies: Bajaj Allianz Life Insurance / Bajaj Allianz General Insurance
Distribution partners: 457
Products: Cattle & Livestock, Crop Index, Life & Savings, Term Life, Personal Accident

Videos:

Cyclone India
Claim Story India (1)
Claim Story India (2)
Claim Story India (3)
Claim Story India (4)

Indonesia

Indonesia

Insured Lives 31-Dec-2014: 3.8mn
Premium 2014: €1.6mn
Micro start year: 2006
Companies:Allianz Life Indonesia / Allianz Utama Indonesia
Distribution partners: 76
Products: Personal Accident, Credit Life Plus

Videos:

Insurance Game
Claim Story Indonesia (1)
Claim Story Indonesia (2)
Claim Story Indonesia (3)

Other resources:

ILO learning diary on TAMADERA endowment (2012)
How we insured 1 million people (2013)

Ivory Coast

Ivory Coast

Insured Lives 31-Dec-2014: 120,000
Premium 2014: €12.5mn
Micro start year: 2009
Company: Allianz Côte d'Ivoire Assurance Vie
Distribution partners: 3
Products: Mobile Funeral, Funeral, Credit Life

Other resources: Interview with mobile insurance seller

Madagascar

Madagascar

Insured Lives 31-Dec-2014: 50,000
Premium 2014: €190,000
Micro start year: 2008
Company: Allianz Madagascar Assurance Vie
Distribution partners: 3
Products: Credit Life, Mobile Term Life Plus

Malaysia

Malaysia

Insured Lives 31-Dec-2014: 150,000
Premium 2014: €10.0mn
Micro start year: 2011
Company: Allianz General Malaysia
Distribution partners: 1
Products: Motorcycle & Personal Accident

Mali

Mali

Insured Lives 31-Dec-2014: 0
Premium 2014: < €10,000
Micro start year: 2011
Company: Allianz Mali Assurance
Distribution partners: 1
Products: Crop Index

Senegal

Senegal

Insured Lives 31-Dec-2014: 100,000
Premium 2014: €470,000
Micro start year: 2008
Company: Allianz Senegal Assurance Vie
Distribution partners: 6
Products: Credit Life

Other resources: Beneficiary Interview - The people behind the files

Find us in your own country

    

Allianz operates as an international insurer on almost every continent. We have deep roots in our home market: Western, Northern & Southern Europe. In Central & Eastern Europe and Asia Pacific Allianz is one of the leading international insurance companies. With different emphases we are present in America and Africa.