Discovering innovative solutions for BoP Markets. The impact of micro finance and micro insurance within the healthcare and pharmaceutical environment

      Аннотация: In this whitepaper we will discuss Healthcare Issues Emerging Countries are facing and what initiatives are in place to solve them. We will analyze micro finance and micro insurance models and particularly, as a healthcare company, we will focus on what could be our contribution within this big challenge. Over the past decade, micro finance and micro insurance have made great progress and gained recognition for the advantages they can have for BoP markets as well as among the bank and insurance sector for their capacity to penetrate a previously unaccessible Country. As Prahalad and Hammond stated in their article, we assist at the exploration of new markets and the introduction of new strategies as well as new products. Moreover, a regulatory framework has started to grow in many countries with regards to micro insurance and in order to develop innovations, putting the customer at the first place. The initial phase of this progress and the difficulty of it, makes complex to get a complete picture of what is currently happening worldwide. What are best practices? Where is micro finance growing? And micro insurance? Why? Which challenges do they have to face?

Ключевые слова: BoP Markets, solutions, Micro finance, micro insurance