Extending mutual microinsurance to 5 million uninsured households in five countries over five years.

  • Our Impact

    Cambridge report indicates mutual microinsurance delivers greater resilience in vulnerable communities recovering from natural disasters

    A new study from the University of Cambridge Institute for Sustainability Leadership has, for the first time, analysed how mutual microinsurance, a...

  • Our Impact

    New video highlights benefits for ICMIF members of taking part in Technical Assistance assignments in developing markets through the 5-5-5 Strategy

    Bas Lavalaye of Achmea, a Netherlands-based member of the International Cooperative and Mutual Insurance Federation (ICMIF), took part in a Technical Assistance assignment for...

  • Our Impact

    Insurance helped Mr Paramasivam in his time of need

    Pudhur is an urban area in Madurai, Tamil Nadu (southern India), and currently contains nearly 40 slums. The residents are mostly engaged in manual labour (including masonry labourers, construction workers and housemaids) and struggle...

  • Our Impact

    Rebeca Sollestre was able to continue caring for her grandchildren

    Rebeca Sollestre, 62 years old, lives with her two grandchildren in Brgy Cawayan in Quezon (the Philippines). She works at a piggery, and tends to the fields that she and her 12 siblings share.

  • Our Impact

    The DHAN Foundation now provides mutual microinsurance cover to over 300,000 people from disadvantaged communities in India


  • Our Impact

    Palaniyammal's story

    Palaniyammal and her family reside in rural Madurai (India). Before taking out health insurance cover through the DHAN Foundation they used to pay excessive amounts for treatments they could not afford.

Latest News

23 September 2019

The United Nations, Germany, the UK and the insurance industry yesterday (22 September 2019) announced a series of coordinated commitments aimed at in

29 August 2019

Launched in June 2016, the ICMIF 5-5-5 Mutual Microinsurance Strategy (the “5-5-5”) aims to i

28 June 2019

Shaun Tarbuck, Chief Executive at the International Cooperative and Mutual Insurance Federation (ICMIF), was interviewed last week by AM Best TV at the Inter

What is the 5-5-5?

ICMIF’s 5-5-5 Mutual Microinsurance Strategy is a five year project based in five emerging market countries and aims to provide five million persons insured with insurance cover for the first time to take them out of poverty. The ultimate objective is to build resilience in poor communities.

Find Out More

The 5 Countries

The countries identified to take part in the 5-5-5 Strategy are India, The Philippines, Kenya, Sri Lanka and Colombia. The country selection criteria being:

  • Frontrunner in microinsurance
  • High incidence of poverty
  • Geographic reach
  • ICMIF member presence

Our Projects

The 5-5-5 & the SDGs

  • Will help people escape the vicious cycle of poverty and provide a safety net to vulnerable communities.
  • Will help to ensure food security through the delivery of insurance protection to smallholder farmers, amongst others.
  • In addition to increasing access to health insurance, will focus on health prevention and access to quality healthcare.
  • Will positively impact on women who are most often the policyholders of a mutual microinsurance provider.
  • The target communities of the 5-5-5 Strategy are the most vulnerable to climate change.

Current Outreach

million lives impacted

Our Partners