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Cambridge Institute for Sustainability Leadership (CISL)

June 2019 – This report explores the potential for a community-owned model of insurance (mutual microinsurance) to deliver economic and social benefits aligned with the United Nations Sustainable Development Goals (SDGs).

Download the report

Download the Mutual Microinsurance field questionnaire

Download the Mutual Microinsurance frequency tables

Micro InsuranceCISL has collected data from households in the Philippines affected by the devastating 2013 Typhoon Haiyan to assess whether those with mutual microinsurance life cover policies were able to recover more effectively than those without.

The research finds that mutual microinsurance, enabled by adequate regulation, can contribute to the SDGs by increasing the protection and resilience of low-income communities. The report also assesses the operations and outcomes of the largest mutual microinsurer in the Philippines - the Center for Agriculture and Rural Development Mutual Benefit Association (CARD MBA).


This report builds on a study, published by CISL in 2015; Insurance regulation for sustainable development: Protecting human rights against climate risks and natural hazards, which analysed the role of insurance regulation in protecting the basic human rights of life, livelihood and shelter against natural hazards and climate risk

Citing this report

Please refer to this report as Cambridge Institute for Sustainability Leadership (CISL) (2019). Mutual microinsurance and the Sustainable Development Goals: An impact assessment following Typhoon Haiyan. Cambridge, UK: Cambridge Institute for Sustainability Leadership.

Authors and acknowledgements

Dr Ana Gonzalez Pelaez, Fellow, Cambridge Institute for Sustainability Leadership


Copyright © 2019 University of Cambridge Institute for Sustainability Leadership (CISL). Some rights reserved


The views expressed in this report are those of the authors and do not represent an official position of CISL, ClimateWise or any of its individual business partners or clients.


Published: June 2019