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Inclusive insurance in Rwanda: a model for Africa<\/strong><\/p>\n In Rwanda, inclusive insurance is not a theory, it is an operational lever protecting farmers against climate and economic shocks. In the framework of a programme conducted in partnership with the International Labor Organization (ILO) and financed by Proparco, a field exchange brought together 17 practitioners from 12 organisations across 9 countries to observe how a structured ecosystem, where public authorities, insurers, and microfinance institutions collaborate, makes insurance protection accessible to vulnerable populations.<\/p>\n Radiant Yacu, Rwanda's first dedicated microinsurance company, illustrates this dynamic: growing from USD 8,000 in premiums in 2019 to USD 6.7 million in 2024, it demonstrates how adapted products, innovative distribution, and a supportive institutional framework can transform insurance into a real lever for local development. The Rwandan government plays a key role by subsidising 40% of agricultural insurance premiums, removing a critical access barrier.<\/p>\n But Rwanda is not the only country facing challenges. Participants from West Africa shared different realities: insecurity in Mali and Burkina Faso destabilising portfolios, growing climate risks in Togo and Benin, and limited comparable public engagement. These field experiences reveal that the success of inclusive insurance depends on five essential conditions: simple and affordable products, innovative and proximity-based distribution, financial education, transparency in claims payment, and a supportive institutional framework.<\/p>\n Discover how these lessons redefine the conditions for success of inclusive insurance in Africa and how to adapt the Rwandan model to different contexts.<\/p>\n <\/p>\n