Inclusive Insurance Innovation Lab

How can we increase uptake of good quality insurance by vulnerable people and businesses?

Insurance protects against unforeseen losses and financial vulnerability and plays a vital role in promoting economic growth. Yet in most developing and emerging economies, insurance penetration rates are low and vast segments of the low-income population as well as micro and small businesses remain excluded from insurance.

The Inclusive Insurance Innovation Lab is a sequence of national workshops and international platforms for insurance supervisors and other key stakeholders of the inclusive insurance sector. It provides a unique opportunity to build leadership capabilities while working together to develop innovative solutions that will increase uptake of insurance.

Dates and Locations

“We all hold a piece of the puzzle to find the solution.”



The participants represent all important insurance stakeholders such as companies, intermediaries, regulatory authorities and demand side representatives.



Albania, Ghana, Kenya, Mongolia

Learn more about the Lab

The Process

To address the challenges in improving access to insurance, the Access to Insurance Initiative and the Global Leadership Academy are launching a unique 12-month Leadership and Innovation Lab. The Lab brings together a broad range of inclusive insurance stakeholders in 4 country teams to build innovative solutions, guided by the question: How can we increase uptake of good quality insurance by vulnerable people and businesses?

The Inclusive Insurance Innovation Lab is based on the understanding that the question above cannot be tackled by one stakeholder alone. Rather, it needs the collective experience from diverse perspectives to comprehensively understand the bottlenecks within the sector.

Building on this understanding, the process will enable participants to develop and test innovative solutions to promote uptake of insurance by those in need. 

The Lab aims at:

Oftentimes stakeholders in the insurance market have preconceived conceptions about one another and do not adequately understand the challenges and constraints that the other actors face. The Lab will stimulate dialogue and an exchange of experiences, both within and across country teams. This will allow participants to learn from the experience of other countries (i.e. peer learning) and to thoroughly understand the perspectives of all players in the inclusive insurance market – a prerequisite to creating sustainable innovation. The process aims to develop lasting networks within (and across) the participating countries which can be drawn on even after the Lab process has come to an end.

In a first step, country teams will collectively analyse their country context in order to identify the specific areas in which innovation is needed. In a second step, the process will enable teams to develop innovative solutions that can increase the uptake of insurance by vulnerable people and businesses. Initial implementation of the innovations will be accompanied by experienced change facilitators – but ownership ultimately rests with the country groups.

The knowledge gained and skill sets developed throughout the Lab will help participants address complex realities in their future work. The entire process is designed to promote leadership and innovation skills and the ability of participants to initiate multi-stakeholder collaboration.


The Inclusive Insurance Innovation Lab consists of international and in-country processes. In the following you can get an insight into the different modules.

Insight: Kick-Off Workshops

Albania, Ghana, Kenya and Mongolia from November to December 2017

The year-long Inclusive Insurance Innovation Lab developed by the Global Leadership Academy and the Access to Insurance Initiative (A2ii) was kick started with country-level meetings held across the four participating countries between the latter half of November and early December 2017. Participants from Albania, Ghana, Kenya, and Mongolia engaged within their country teams for two intensive and productive days with expert facilitation from Reos Partners.


Participants represented the major stakeholders: the regulators, private companies, and consumer organisations. Though most of them knew each other, the meetings provided an opportunity to integrate different perspectives. With one participant exclaiming, “this is the first time we are meeting like this. We all know each other, but have never met all together!” Besides being introduced to their country teams, the participants were familiarised with the social lab method to be used throughout the Lab.

The agenda of the meetings centred around

  • a) analysing the current landscape of the inclusive insurance market in their respective countries,
  • b) exploring areas that are ripe for innovation, and
  • c) making individual and collective commitments for the coming year. The meetings were an eye-opener for some, underscoring the importance of multi-stakeholder dialogues. For example, one participant realized, “I’ve had a big waking call that I need to work with the NGOs that I’ve been ignoring.”

Far from their typical day, the meetings engaged the creative side of the participants through activities such as insurance storytelling through LEGO sets, speed dating, a cynics and believers exercise and more. This helped identify strategies that are being pursued in their respective countries to bring insurance to the vulnerable, and the key issues and challenges that are keeping them from meeting that goal. With participants developing a better understanding of each other’s perspectives, they arrived at the key themes to focus on as a country team for the duration of the Lab with a commitment to meet informally and check progress monthly. As one participant said, “we always need to keep the bigger picture in the back of our minds: it’s not about us, it’s about the industry.”

Participants and the hosting team are now looking forward to learning from each other’s perspectives and takes those learnings into their year-long in-country innovation process.


“This is the first time we are meeting like this. We all know each other, but have never met all together!”

Insight: International Dialogue

Akosombo in Ghana, from 28th February to 2nd March 2018

Following the success of the national workshops held in the latter half of November and early December 2017, the first International Dialogue was convened in Ghana with participants from all four country teams, Albania, Ghana, Kenya, and Mongolia taking part.


As this was the first time that all country teams met each other, the international dialogue was kick-started with short presentations allowing each country team to show 20 images for 20 seconds each to introduce the state of inclusive insurance in their respective countries to the group. Prior to the introduction and to break the ice, each participant checked-in with an object that tells a personal story of inclusive insurance. This exercise helped building an understanding of the inclusive insurance sector in the participating countries and set the context for getting to know each other during the dialogue process.

Further, the country teams shared with each other insights from the self-organised learning journeys back in their own countries. This was followed by a first cross-country exchange, where participants in groups of four discussed the sector in their respective countries and had the opportunity to pose questions to each other. This helped sow the seeds for cross-pollination of ideas and learning from each other’s perspectives, approaches and possible issues.

An integral part of the International Dialogue are the learning journeys. They gave the participants the opportunity to interact with local shopkeepers, restaurant owners, fishermen, and health practitioners in the surrounding villages to understand their experience of insurance. Insights from the learning journeys were shared among each other by means of a “World Café” style interaction session.

Furthermore, the International Dialogue introduced peer coaching methods to the participants. The country teams firstly prepared systems maps of the inclusive insurance sectors in their countries and presented them to the partner country team. The respective other team then provided them with feedback on obstacles, opportunities, key relationships and aspects that were missing or had been left out from the presentation. A consolidation session comprising of the experience of the four country teams helped share insights from the exercise with the whole group.

On the last day of the International Dialogue, participants talked about the burning questions that emerged from their respective national workshops and further chose the themes and project ideas for the conversations in the future stages of the dialogue. Following the discussions on the different issues, participants designed a roadmap in their country team to be followed through to the impending second national workshops and beyond. The roadmaps will now guide the country teams further in the Lab journey and in their efforts to increase the uptake of good quality insurance.


Our Partners

We implement all our programmes in cooperation with our internationally renowned partners with whom we share our passion for dialogue and change and our commitment to high quality standards.

Our Convening Partner