2 million insured
10 million lives protected

  • Our Impact

    New video shows how microinsurance is already making a difference to smallholder dairy farmers in Kenya

    Insurance for low-income markets, or microinsurance, provides a means for smallholder farmers to protect themselves from this financial loss.

  • 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

    ICMIF 5-5-5 Mutual Microinsurance Strategy provides policyholders with safety net against poverty

    Launched in June 2016, the ICMIF 5-5-5 Mutual Microinsurance Strategy (the “5-5-5”) aims to insure 5 million lives in five countries (Colombia...

  • 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

24 September 2020

When considering the spread of the COVID-19 pandemic in India local ICMIF member The DHAN Foundation observed two major impacts in Indian society.

24 September 2020

Just over 530,000 households from low-income communities are now covered with mutual microinsurance thanks to ICMIF’s 5-5-5 DHAN Foundati

24 September 2020

In India, ICMIF member SEWA (Self Employed Women Association) reports that the Coronavirus pandemic is having devastating effects on the lower income po

What is the 5-5-5?

ICMIF launched the 5-5-5 Mutual Microinsurance Strategy (the "5-5-5") to scale up mutual microinsurance in five countries. The ultimate objective is to build resilience in communities and developing insurable populations by providing financial education, risk reduction and affordable need-based insurance products.

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 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.
  • Will help people escape the vicious cycle of poverty and provide a safety net to vulnerable communities.

Current Outreach

million lives impacted

Our Partners