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

  • 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.

  • 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

    ICMIF’s 5-5-5 Strategy reaches over 3 million people since its launch in June 2016

    More than 3,221,645 people are now covered by mutual microinsurance, thanks to ICMIF’s 5-5-5 Mutual Microinsurance Strategy operationalised in 2 of the 5 countries.

  • Our Impact

    New video showcasing partnership between The Co-operators and Uplift Mutuals through the 5-5-5 Strategy

    The Co-operators (Canada) have produced an inspiring video to showcase how they are working cooperatively with Uplift Mutuals (India) to bring...

  • Our Impact

    Claim payment enabled widow to fund childrens’ education

    Mr Ronaldo Joson of San Miguel, Bulacan, was an active member of ASKI MBA for almost four years. On the evening of 6 August 2016, he unexpectedly suffered a heart attack and later died. His wife, Mrs Joson (pictured), was understandably...

  • Our Impact

    Poonam Datta Gurav was reimbursed in 3 hours!

    In August 2016, Uplift set a new internal record by settling a claim within three hours, the claimant Mrs Poonam Datta Gurav shared her experience.

  • Our Impact

    Ms Lizada recognises the true value of microinsurance

    Ms Lizada is a member of Pag-Inupdanay Mutual Benefit Association (PI MBA) in the Philippines.

  • Our Impact

    German mutual insurer DEVK announces support for ICMIF 5-5-5 Mutual Microinsurance Strategy in the Philippines

    DEVK, a German member of the International Cooperative and Mutual Insurance Federation (ICMIF), has announced its pledge to support the ICMIF 5-5-5 Mutual Microinsurance Strategy.

Latest News

28 January 2019

The village of Sadni Bata, situated in Gujarat (northern India), is so remote that it takes over an hour to reach from the nearest town.

10 December 2018

Dr Jaime Aristotle Alip (pictured, centre), Founder of the ICMIF 5-5-5 Mutual Microinsurance Strategy and a fomer Chair of the ICMIF Development Committee, has today (10...

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 households with insurance cover for the first time to take them out of poverty. The ultimate objective is to build resilience in poor communities.

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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.

Latest Video

One woman describes how she was able to gain access to the healthcare services she desperately needed.

Our Partners