March 23-25, 2021 | Digital Edition

ABOUT THE CONFERENCE

The 2021 Eastern and Southern Africa Regional Conference on Inclusive Insurance is part of the series of regional learning sessions aimed at contributing to the development of inclusive insurance markets in Africa. The 6th regional conference will be conducted virtually and is hosted by Association of Insurers of Mozambique (AMS), Instituto de Supervisão de Seguros de Moçambique (ISSM), Financial Sector Deepening Mozambique (FSDMoç) and Munich Re Foundation.

This digital edition of the regional conference is a combination of high-quality training and plenary sessions aimed at sharing insights on inclusive insurance business models that are making access to low-income market segments in Africa possible. The event is supported by the FinProbity Solutions.
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The organization and implementation of this conference is based on the strong belief of the power of learning and sharing; the conference therefore brings international, regional and local professionals that will exchange experiences and discuss a number of key themes and topics on inclusive insurance business.They include repesentatives from insurance and reinsurance companies, brokers, distribution channels, international organisations, NGOs, development-aid agencies, policymakers, regulators and supervisors in Africa.

The sub themes
for this conference
are:
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The Landscape of Inclusive Insurance in  Mozambique:

An up-to-date portrait or state of the market of inclusive insurance in Mozambique

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Disaster risk financing through inclusive insurance and sovereign protection:

Exploratory insights and lessons on macro, meso and micro risk management solutions that can be applicable to countries with low insurance penetration and sovereign insurance for disaster risk financing with consideration of the impact of climate change.
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Agricultural insurance solutions for smallholder formers:

Taking stock of insights and lessons learned from private and public private partnerships models for agricultural insurance solutions for smallholder farmers.
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Inclusive health insurance solutions:

Addressing the questions on viability and feasibility of inclusive health insurance solutions. How can private insurance complement national health insurance scheme; this session draws lessons from other national health insurance schemes in Africa
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Digital solutions for inclusive insurance:

Taking stock of what has worked and what has not worked with digital inclusive insurance solutions and business models.

09:00-10:30 AM

Session 1: The Landscape of Inclusive Insurance in Mozambique

 

  • Welcome remarks/ Conference objectives – Curratilaine Remane, President – AMS

  • Remarks – Dirk Reinhard, Munich Re Foundation

  • Keynote speech – Otília Santos, CEO – ISSM

  • Landscape Study Presentation – Esselina Macome, CEO -FSDMoç

Moderator: TBA

11:00-12:30 PM

Session 2: Disaster risk financing and agricultural insurance

Speakers

  • Ayandev Saha, FinProbity Solutions, Rwanda

  • Mauwa Lungu, FSD Zambia

  • Israel Muchena, Hollard Mozambique

  • Pietro Magnoni, World Food Programme

Moderator: Dirk Reinhard, Munich Re Foundation

14:00-16:00 PM

Session 3: Bottomline and topline strategies for inclusive insurance business

 

Speakers

  • Lorenzo Chan/Geric Laude, Pioneer, Philippines

Facilitators: Lemmy Manje & Bert Opdebeeck

09:00-10:30 AM

Session 4: Inclusive health insurance solutions

Speakers

  • Lisa Morgan, ILO’s Impact Insurance Facility

  • Gilbert Osoro, Kenya’ National Health Insurance Scheme

  • Simao Chipanga, Hollard Mozambique

  • Anne-Sophie, Women’s World Banking, Uganda

Moderator: João Gouveia, Fidelidade (AMS)

11:00-12:30 PM

Session 5: Digital solutions for inclusive insurance

Speakers

  • Tauanda Chare, TABECH Fintech, MovelCare, Mozambique

  • Valerie Labi, BIMA Ghana

  • Rishi Raithath, GSMA

  • Dr.Salomão David, INCM

Moderator:  Kate Rinehart-Smit, Cenfri

09:00-10:30 AM

Session 6: Inclusive insurance market development and consumer education

Speakers

  • Angela Armah, GIZ, Ghana

  • Viviene Pearson, South Africa Insurance Association (TBC)

  • Agnelio Jossias, ISSM

  • Ruben Chivale, Companhia de Seguros Índico, SA  (AMS)

Moderator: TBA

11:00-12:30  PM

Wrap up session: Towards an inclusive insurance sector in Mozambique

Conference summary presentation: Dirk Reinhard

Speakers: TBA

  • Eng. Benedito Manhiça – EMOSE (AMS)
  • Panelist 2 – Silvio Chiau, Market Insights Manager – FSDMoç
  • Panelist 3

Moderator: Lemmy Manje

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Dirk Reinhard Vice Chairman at Munich Re Foundation

In April 2004, Dirk Reinhard was appointed Vice-Chairman of the Munich Re Foundation. He is responsible for the foundation’s finances as well as the inclusive insurance programme. He was furthermore involved in the “Landscape of Microinsurance” program of the Microinsurance Network. From 2008-2014, Dirk Reinhard was elected as a member of the board of the Microinsurance Network. Since the first International Conference on Inclusive Insurance (ICII) in 2005 Dirk Reinhard chairs the Conference Steering Committee. The event is largest meeting of insurance and development experts worldwide. In 2011, the ICII introduced additional local satellite conferences called “Learning Sessions”. Dirk Reinhard graduated in Industrial Engineering and Management and has more than 20 years experience in the sustainability and finance industry sector. From 2001 to 2004, he was responsible for sustainable investment in the Environmental Management Unit of Munich Reinsurance Company, a global leader in the reinsurance field, and has published numerous articles on this subject. Prior to joining Munich Re, he worked for oekom research AG as a sustainability analyst in the period from 1995 to 2000

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Curratilaine Remane Vice President of the Mozambican Insurance Association (AMS).

Curratilaine Remane is currently the Vice President of the Mozambican Insurance Association (AMS). He performs or has performed in institutions outside the Group such as being the Chairman of the Board of Directors of the Mozambican Insurance Association on behalf of SIM, Vice-President of the General Assembly and Maputo Tennis Club and member of the Board of Directors of the Association of Naturals and Friends of the Province of Inhambane. He was a member of the 1st General Council of OCAM – Order of Accountants and Auditors of Mozambique on behalf of the Mozambican Insurance Association

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Denise De Fatima Alves FSDMoç

Denise, before joining FSDMoç, worked as an Outreach and Communication Specialist at nongovernmental organizations (NGOs) Jhpiego – MCHIP/MCSP, Save the Children International, Chemonics International (Resilim Project), Elizabeth Glaser Pediatric AIDS Foundation (EGPAF), Teledata de Moçambique, Lda and Lurdes Mutola Foundation. Denise has 10 years’ experience in communication and outreach area. Denise has a Degree in communication sciences from A Politecnica University in Mozambique.

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Esselina Macome Chief Executive Officer (CEO) of FSDMoç.

Esselina Macome is currently the Chief Executive Officer (CEO) of FSDMoç. Esselina joined FSDMoç. after a 10-year career at the Central Bank of Mozambique where she was an Executive Director, Payments Systems, and Board Member. She led the drafting of the National financial inclusion strategy. Esselina is a Associate Professor at the Eduardo Mondlane University. She has extensive experience in information and communication technology – ICT, payments systems, financial inclusion and currency management. She holds a Doctoral Degree (PhD), in Information Technologies by University of Pretoria, in South Africa in 2003; she also has a Master Degree (MSc) in Analysis, Design and Management of Information System by London School of Economics and Political Science of the University of London.

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Maria Otilia Monjane Santos Chairman of the Board of Directors Insurance Supervision Institute of Mozambique

Born on May 15, 1963, she has been a State employee since 1984. She was appointed to the position of Chairman of the Board of Directors of the Institute of Insurance Supervision of Mozambique, Instituto Público, in July 2013, a position she was reappointed in. March 2019. Previously, she held the positions of General Director of Taxes at the Tax Authority of Mozambique and Deputy Director of the Treasury at the Ministry of Economy and Finance. He chaired the Privatization Commissions of the two State banks in Mozambique (BCM and BPD). At the same time, she served as a non-Executive Director in several State and private institutions in which the State has interests. She is married and the mother of two children.

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Mercio Sitoe Executive Director of the Insurance Supervision Institute of Mozambique

since October 2020, with a career of more than 12 years in the financial market. He was Director of Banking and Insurance at Banco ABC and Director of Business Development and Marketing at Phoenix Companhia de Seguros de Moçambique. In his vast experience he worked at Banco Comercial e de Investimentos and Hollard Moçambique Companhia de Seguros. With a degree in Business Management, certification in leadership at the United Graduate Collage and Seminary (USA), Risk Management in Harare, and several certificates in finance, insurance and commerce, he is currently pursuing a master’s degree in International Business.

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Israel Muchena Managing Director of Life & Agricultural Insurance at Hollard Moçambique Companhia de Seguros.

He holds a Master of Arts Degree in Development Studies from the Nelson Mandela Metropolitan University of South Africa. He also has a Microinsurance Expert Certificate of the Frankfurt School of Finance & Management, Germany. Israel has also worked in insurance and reinsurance in the following markets: Angola, Botswana, Mauritius, Mozambique, Nigeria and South Africa. Among his notable achievements, Israel is a published author of the following two award-winning books: • Development of Insurance in Angola, 2019 AIO African Insurance Book of the Year. • Development of Insurance in Mozambique, 2017 AIO African Insurance Book of the Year

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Mauwa Lungu Director of Financial Services Supply

Her role at FSD Zambia is to provide oversight, coordination and management of the conceptualisation, programming and implementation of all interventions and projects under the Financial Services Supply Unit. She provides oversight to technical thematic areas namely, Informal Finance, Inclusive Insurance, Rural and Agricultural Finance and Inclusive Enterprise Finance. She has a commitment to and a passion for financial inclusion with a particular interest in expanding both formal and informal financial services to rural and remote areas. She holds a Master of Science Degree in Economics and Finance and a Bachelor’s degree in Demography and Economics from the University of Zambia.

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Ayandev Saha Inclusive Insurance Expert

Ayandev has over a decade of design and implementation experience in pension, life, health and agriculture insurance scheme(s) across Afro – Asia region, viz. in India, Afghanistan, Bangladesh, Myanmar, Nepal, Cambodia, Sri Lanka, Ethiopia, Kenya, Namibia, Uganda, Rwanda, Zambia and Zimbabwe. He has led several World Bank, ADB and donor funded (e.g., USAID, UKAID, DFID, IFAD) projects and advised governments, regulators, associations and insurers on social security schemes, regulations and strategies for building mass markets. Currently, Ayandev is working with the Ministry of Finance & Economic Planning, Government of Rwanda as “Strategic Adviser – Financial Sector Development Directorate”

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Pietro Magnoni Risk Finance Specialist at the United Nations’ World Food Programme.

Pietro is currently the Risk Finance specialist at WFP Mozambique, supporting WFPs implementation on microinsurance and disaster risk financing solution. He has been in Mozambique since late 2018, working on behalf of the ILO's Impact Insurance Facility within Mozambique's first micro-insurance company, with the intention of strengthening their distribution channels and product offerings. Previously, he worked across Latin America for a financial inclusion consultancy, being involved, among other projects, in devising index-based coverage for a local MFIs. Pietro is a native Italian speaker, while also being fluent in English, Spanish and Portuguese.

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Lorenzo Chan President/CEO of Pioneer Life Inc and Retail Organization Head of the Pioneer Group in the Philippines

He drove the concept of bite-sized or sachet insurance for the retail and mass market with an insurance & savings card, and an award-winning comic book that teaches money smarts. Lorenzo was instrumental in creating a Microinsurance team dedicated to the development & marketing of products & services for the most marginalized sectors of society. With the creation of various affordable, accessible, easy-to-enroll, and simple-to-claim products, Pioneer’s program has partnered with numerous rural banks, retail outlets and Microfinance institutions, including several of the country’s largest. Enrollments grew from 28,760 in 2008 to over 20 million by the end of 2018.

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Geric Laude Pioneer Insurance, Philippines

Geric Laude is currently the Head of Non- Life Retail at Pioneer Insurance in the Philippines. Geric was Pioneer’s first Microinsurance Champion and he grew Pioneer’s microinsurance activities from 250,000 to 18 million enrolments in 5 years. He also introduced customer- centricity as a business model

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Lemmy Manje FinProbity Solutions, Rwanda

Lemmy provides technical assistance and management services to various international developmental organizations, insurance companies and other financial service providers. He has published numerous works on microfinance, microinsurance and small enterprise development. He is an alumna of the Harvard Kennedy School program, Rethinking Financial Inclusion: Innovation for Policy and Practice. His professional experience for long and shortterm assignments has mainly been in North, South, Central and East Africa as well as Asia and Europe. He has a Master’s Degree (MA) in International Development from University of Manchester, United Kingdom and Bachelor’s degree (BA) in Economics and Demography from the University of Zambia.

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Bert Opdebeeck Microinsurance Master , Belgium

Bert is the founder of Microinsurance Master, the sector’s first accelerator programme. Microinsurance Masters strengthens and inspires microinsurance leaders to make a difference in the business of reducing the risks of low-income communities. The 10-week accelerator has a solid track record in guiding champions to thrive in microinsurance through customer-centric insights and the startup way of working.

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Lisa Morgan ILO Impact Insurance Facility, Switzerland

Lisa is currently based in Switzerland, where she works for the International Labour Organization (the ILO), a specialized agency of the United Nations. As a health actuary, she provides expertise on health insurance in the public and private sectors. Lisa has over 20 years of experience in actuarial and related work in Europe, Africa and Asia. Before joining the ILO, Lisa worked in Milliman’s London Health Practice and at PricewaterhouseCoopers. Lisa is a Fellow of the Institute and Faculty of Actuaries. She is on the board of the International Actuarial Association Health Section (IAAHS) and is an active member of the Microinsurance Network, currently coordinating the Best Practice Group on Health and Financial Inclusion.

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João Gouveia Fidelidade, Mozambique

João Gouveia started his career in a health insurance management company in 2002, where he had the opportunity to acquire knowledge in various areas associated with the management of this product. As part of this experience, he learned about several health solutions and services available on the market. In 2015, he accepted the challenge to integrate the Angolan operation, being subsequently seconded to participate in a new health insurance project in Mozambique. In 2017 he became part of Fidelidade Mozambique team, where he is currently responsible for the Health Management Department, which responds to more than 10,000 customers.

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Anne Sophie Women’s World Banking, Uganda

Anne-Sophie Triboulet is a Regional microinsurance project manager at Women’s World Banking. Based in Kampala, she supports partner institutions to develop insurance solutions in East Africa. Prior to joining Women’s World Banking, Anne-Sophie worked as a project manager for development and humanitarian affairs at the French Embassy in Kenya. Anne-Sophie holds a dual master degree in development economics and project management from the University of Auvergne.

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Tauanda Benjamim Chare Movel Care

Tauanda Benjamim Chare is the founder of TABECH Fintech. and MóvelCare TeleInsurance, an insurance technology company that develops highly customer-oriented solutions for insurance distribution in the lusophone market. The company is the first to bring a shared business model approach in the Mozambique insurance sector by uniting various stakeholders such as MNOs, Departmental stores, Service providers and the insurers to start distributing retail insurance products since 2015. MovelCare is a digital insurance platform accessible using any mobile device developed by TABECH giving insurance to over 18 million Mozambicans without depending on bank accounts or internet for the rural and other marginalised populations.

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Kate Rinehart-Smit Centre for Financial Regulation and Inclusion

Kate Rinehart-Smit is a Senior Associate for Cenfri’s Risk portfolio that works with regulators, development partners and industry to advance insurance sector development in sub-Saharan Africa. Kate is particularly interested in how insurance can play a broader role in economic development, the application of behavioural science to encourage the uptake and sustained usage of financial products, how to create innovative business models and the role of the financial sector in climate risk adaptation.

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Rishi Raithath GSMA

Rishi is a Senior Advocacy Manager for the GSMA’s Mobile Money programme. He is responsible for developing evidence-based research and policy positions to advance the use and growth of mobile money services – particularly in achieving development goals. Prior to joining the GSMA, Rishi worked at Finalta by McKinsey, Willis Towers Watson and the Foreign, Commonwealth and Development Office. Rishi holds an MA in International Relations and International Organisation from the University of Groningen and a BA in Economics and Politics from SOAS, University of London.

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Dr. Salomão David ARECOM, Mozambique

Dr. Salomão David is currently the Head of the Market Research and Development Office at Communications Regulatory Authority of Mozambique (ARECOM). Dr. David will be speaking regulations and infrastructure aspects for digital solutions for inclusive insurance

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Agnélio Jossias Insurance Supervision Institute of Mozambique

With a degree in Journalism from Universidade Eduardo Mondlane, he has been responsible for Communication and Image at the Insurance Supervision Institute of Mozambique, since 2012. Before joining the ISSM, IP staff, activity regulator insurance company in the country, taught the subject of Marketing Notions at the Pedagogical University of Beira and was a consultant at the John Hopkins University / Center for Communication Programs JHU / CCP (Maputo). While at ISSM, IP, he coordinated the institution’s internal and external communication and image, relationship with the press and consumers, elaboration of the “Financial Education Strategy in Insurance” and the project “Bet on Insurance” and also coordinates the relationship with the Institute National Development of Education in the scope of the inclusion of subjects on insurance in school curricula. He is currently coordinator of Working Group 3 on Consumer Protection and Education within the scope of the National Strategy for Financial Inclusion (ENIF), whose Working Subgroup is working on the preparation of the National Plan for Financial Education.

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Angela Agyeiwaa Armah GIZ Ghana

Angela has worked for more than 7 years in the area of sustainable economic development focusing on inclusive insurance and digital finance. Her current role within GIZ involves leading a team that supports the National Insurance Commission and other industry players to develop a proportionate Legal and Regulatory framework for the insurance industry, conduct research that seeks to expand the insurance market, develop products and services for a more inclusive sector and improve awareness of insurance for the ordinary Ghanaian. She is based at the GIZ office in Accra, Ghana.

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Viviene Pearson South African Insurance Association (SAIA)

Viviene has been with the South African Insurance Association (SAIA) for more than a decade. In her career at SAIA she has played various roles including Image and Reputation Manager, Motor Manager, and General Manager for Projects and Insurance Risks. In these roles, she has acquired experience and extensive knowledge in micro-insurance and financial inclusion, consumer education and motor insurance, as well as other insurance related topics. She was appointed as the CEO of SAIA from January 2016. Lisa will be speaking on SAIA’s experience on various consumer education initiatives and the role associations can play in demand and uptake of insurance services through investments in consumer education

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Mark Robertson Microinsurance Network, South Africa

Mark has experience in development consulting across Africa and emerging/ mass market customer insurance. He joined the Network in 2021 to work primarily with MIN’s African members and country workshops, and the landscape study execution and analysis. Mark will be moderating the session on inclusive insurance market development and consumer education

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Mercio Sitoe Insurance Supervision Institute of Mozambique

Executive Director of the Insurance Supervision Institute of Mozambique, since October 2020, with a career of more than 12 years in the financial market. He was Director of Banking and Insurance at Banco ABC and Director of Business Development and Marketing at Phoenix Companhia de Seguros de Moçambique. In his vast experience he worked at Banco Comercial e de Investimentos and Hollard Moçambique Companhia de Seguros. With a degree in Business Management, certification in leadership at the United Graduate Collage and Seminary (USA), Risk Management in Harare, and several certificates in finance, insurance and commerce, he is currently pursuing a master’s degree in International Busines.

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Sílvio Chiau FSDMoç

Sílvio is a Management, Information Technology and Audit professional combining a strong academic background with 13+ years of experience in corporate environments. Have led highly skilled and experienced teams in market systems development, internal audit, project management, revenue assurance and risk assessment. Natural leader and self-learner. Silvio will be speaking on the role of development agencies like FSDMoc in supporting inclusive insurance market development

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Contact us for more information

Phone : +258 21485955

Address: Av. Armando Tivane, 849 . Maputo – Moçambique

Email:  fsdmoc@fsdmoc.com