Indonesia’s natural landscape, which is prone to disaster, is considered to have a major impact on marginal household. Should a natural disaster occur, the impact is more severe in these household. So far, there are 77 million out of 238 million Indonesian citizens living without insurance or savings. (source)
Koeberle believed that microinsurance is also one of the key components of Indonesia’s National Financial Inclusion Strategy. Microinsurance provides affordable insurance products for a wider market segment which has been underserved.
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