Field trip

<!doctype html> <html lang="en" class="no-js"> <head> <meta charset="UTF-8"/> <title>Field trip</title> <meta name="template" content="detail"/> <meta name="viewport" content="width=device-width, initial-scale=1"/> <meta http-equiv="x-ua-compatible" content="ie=edge"/> <meta name="viewport" content="width=device-width, initial-scale=1.0, shrink-to-fit=no"/> <meta name="msapplication-tap-highlight" content="no"/> <meta name="format-detection" content="telephone=no"/> <meta property="og:title" content="Field trip"/> <meta name="twitter:card" content="summary"/> <meta property="og:type" content="website"/> <meta name="image" property="og:image" content="https://www.munichre-foundation.org/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%2520(5).jpg/_jcr_content/renditions/original.image_file.1200.800.file/ICII2024_FieldTrip_MilkCooperative%2520(5).jpg"/> <meta property="og:url" content="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip.html"/> <script defer="defer" type="text/javascript" src="https://rum.hlx.page/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js" data-routing="program=102052,environment=979411,tier=publish"></script> <link rel="apple-touch-startup-image" media="(device-width: 320px) and (device-height: 480px) and (-webkit-device-pixel-ratio: 1)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/original.image_file.320.460.file/MRS_Bildmarke_1536x2208.png"/> <link rel="apple-touch-startup-image" media="(device-width: 320px) and (device-height: 480px) and (-webkit-device-pixel-ratio: 2)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/original.image_file.640.920.file/MRS_Bildmarke_1536x2208.png"/> <link rel="apple-touch-startup-image" media="(device-width: 320px) and (device-height: 568px) and (-webkit-device-pixel-ratio: 2)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/cropped.3_to_5.png.image_file.640.1096.file/cropped.3_to_5.png"/> <link rel="apple-touch-startup-image" media="(device-width: 375px) and (device-height: 667px) and (-webkit-device-pixel-ratio: 2)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/cropped.3_to_5.png.image_file.750.1294.file/cropped.3_to_5.png"/> <link rel="apple-touch-startup-image" media="(device-width: 414px) and (device-height: 736px) and (orientation: landscape) and (-webkit-device-pixel-ratio: 3)" href="/etc/clientlibs/munichre/mrwebsites/corporate/frontend/favicons.lc-2024.1121.194542.0005018662_cp2fm-converted-lc.res/apple-touch-startup-image-1182x2208.png"/> <link rel="apple-touch-startup-image" media="(device-width: 414px) and (device-height: 736px) and (orientation: portrait) and (-webkit-device-pixel-ratio: 3)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/cropped.3_to_5.png.image_file.1242.2148.file/cropped.3_to_5.png"/> <link rel="apple-touch-startup-image" media="(device-width: 768px) and (device-height: 1024px) and (orientation: landscape) and (-webkit-device-pixel-ratio: 1)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/original.image_file.748.1024.file/MRS_Bildmarke_1536x2208.png"/> <link rel="apple-touch-startup-image" media="(device-width: 768px) and (device-height: 1024px) and (orientation: portrait) and (-webkit-device-pixel-ratio: 1)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/cropped.3_to_4.png.image_file.768.1004.file/cropped.3_to_4.png"/> <link rel="apple-touch-startup-image" media="(device-width: 768px) and (device-height: 1024px) and (orientation: landscape) and (-webkit-device-pixel-ratio: 2)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/original.image_file.1496.2048.file/MRS_Bildmarke_1536x2208.png"/> <link rel="apple-touch-startup-image" media="(device-width: 768px) and (device-height: 1024px) and (orientation: portrait) and (-webkit-device-pixel-ratio: 2)" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_1536x2208.png/_jcr_content/renditions/cropped.3_to_4.png.image_file.1536.2008.file/cropped.3_to_4.png"/> <link rel="apple-touch-icon" sizes="57x57" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original.image_file.57.57.file/MRS_Bildmarke_180x180.png"/> <link rel="apple-touch-icon" sizes="60x60" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original.image_file.60.60.file/MRS_Bildmarke_180x180.png"/> <link rel="apple-touch-icon" sizes="72x72" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original.image_file.72.72.file/MRS_Bildmarke_180x180.png"/> <link rel="apple-touch-icon" sizes="76x76" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original.image_file.76.76.file/MRS_Bildmarke_180x180.png"/> <link rel="apple-touch-icon" sizes="114x114" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original.image_file.114.114.file/MRS_Bildmarke_180x180.png"/> <link rel="apple-touch-icon" sizes="120x120" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original.image_file.120.120.file/MRS_Bildmarke_180x180.png"/> <link rel="apple-touch-icon" sizes="144x144" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original.image_file.144.144.file/MRS_Bildmarke_180x180.png"/> <link rel="apple-touch-icon" sizes="152x152" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original.image_file.152.152.file/MRS_Bildmarke_180x180.png"/> <link rel="apple-touch-icon" sizes="180x180" href="/content/dam/munichre/foundation/favicons/MRS_Bildmarke_180x180.png/_jcr_content/renditions/original./MRS_Bildmarke_180x180.png"/> <link rel="icon" type="image/png" sizes="32x32" href="/content/dam/munichre/foundation/favicons/mrs_favicon_32x32.png/_jcr_content/renditions/original./mrs_favicon_32x32.png"/> <link rel="icon" type="image/png" sizes="16x16" href="/content/dam/munichre/foundation/favicons/mrs_favicon_16x16.png/_jcr_content/renditions/original./mrs_favicon_16x16.png"/> <link rel="shortcut icon" href="/content/dam/munichre/foundation/favicons/mrs_favicon_.ico/_jcr_content/renditions/original./mrs_favicon_.ico"/> <link rel="canonical" href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip.html"/> <link rel="stylesheet" href="https://www.munichre-foundation.org/en.color-schemes.css" type="text/css"/> <link rel="stylesheet" href="/etc/clientlibs/munichre/mrwebsites/corporate/frontend/resources.lc-2024.1121.194542.0005018662_cp2fm-converted-lc.res/css/styles.print.min.css" media="print" type="text/css"/> <link rel="stylesheet" href="/etc.clientlibs/munichre/mrwebsites/corporate/core/clientlibs/mrwebsites.corporate.cq.app-react.lc-f374b05eebeb33ece844a6083f7002d7-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/munichre/mrwebsites/corporate/core/clientlibs/mrwebsites.corporate.app.lc-ace9d59fb76130a0ace94cb0ca3a223f-lc.min.css" type="text/css"> <script src="https://assets.adobedtm.com/7cbff6299e14/20dde83fe2c1/launch-9683e8305869.min.js" async></script> <script> if (typeof biotope !== 'undefined') { biotope.configuration.set('data.staticResourcesBase', '/etc/clientlibs/munichre/mrwebsites/corporate/frontend/resources.lc-2024.1121.194542.0005018662_cp2fm-converted-lc.res/'); biotope.configuration.set('data.staticResourcesContentRepoBase', '/etc/clientlibs/munichre/mrwebsites/corporate/frontend/resources.lc-2024.1121.194542.0005018662_cp2fm-converted-lc.res/'); biotope.configuration.set('data.chartDataBaseUrl', ''); // has to be empty, relative url is available at component } </script> <script type="text/javascript" src="//assets.adobedtm.com/7cbff6299e14/20dde83fe2c1/launch-9683e8305869.min.js" async></script> </head> <body class="content page basicpage mr-theme-foundation mr-page--sharing" data-chartdatabaseurl=""> <div class="page-wrap"> <mr-m-news-ticker class="mr-m-news-ticker" api-url="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip/_jcr_content.newsalert.json"> </mr-m-news-ticker> <div class="headercwcontainer"> <div class="xfpage page"> <header class="headerCw"> <div class="headerCw__inner"> <div class="headerCw__logo-wrapper"> <a class="headerCw__logo-left " href="https://www.munichre-foundation.org/en.html"> <span class="mr-h-visually-hidden">Munich Re Foundation</span> <mr-e-icon title="Munich Re Foundation logo" class="mr-logo-first" icon-path="/content/dam/munichre/foundation/header-logos/munichre_foundation_logo_eng.svg/_jcr_content/renditions/original.media_file.file/munichre_foundation_logo_eng.svg"></mr-e-icon> <mr-e-icon title="Munich Re Foundation logo" class="mr-logo-light" icon-path="/content/dam/munichre/foundation/header-logos/munichre_foundation_logo_eng.svg/_jcr_content/renditions/original.media_file.file/munichre_foundation_logo_eng.svg"></mr-e-icon> <mr-e-icon title="Munich Re Foundation logo" class="mr-logo-second" icon-path="/content/dam/munichre/foundation/header-logos/munichre_foundation_logo_eng_white.svg/_jcr_content/renditions/original.media_file.file/munichre_foundation_logo_eng_white.svg"></mr-e-icon> </a> <a class="headerCw__logo-right "> <span class="mr-h-visually-hidden">From Knowledge to Action</span> <mr-e-icon title="From Knowledge to Action" class="mr-logo-first" icon-path="/content/dam/munichre/foundation/header-logos/munichre_foundation_claim_eng.svg/_jcr_content/renditions/original.media_file.file/munichre_foundation_claim_eng.svg"></mr-e-icon> <mr-e-icon title="From Knowledge to Action" class="mr-logo-light" icon-path="/content/dam/munichre/foundation/header-logos/munichre_foundation_claim_eng.svg/_jcr_content/renditions/original.media_file.file/munichre_foundation_claim_eng.svg"></mr-e-icon> <mr-e-icon class="mr-logo-second"></mr-e-icon> </a> </div> <div class="headerCw__navigation visible "> <button data-overlay-open="navigation" class="headerCw__navigationBurger hidden" title="open navigation" aria-label="open navigation"></button> <ul class="cmp-list"> <li class="cmp-list__item " data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre-foundation.org/en/About_us.html"> <span class="cmp-list__item-title">About us</span> </a> </div> </li> <li class="cmp-list__item " data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre-foundation.org/en/climate-adaptation.html"> <span class="cmp-list__item-title">Climate risk and adaptation</span> </a> </div> </li> <li class="cmp-list__item selected" data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre-foundation.org/en/Inclusive_insurance.html"> <span class="cmp-list__item-title">Inclusive insurance</span> </a> </div> </li> <li class="cmp-list__item " data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre-foundation.org/en/climate-mitigation.html"> <span class="cmp-list__item-title">Climate change mitigation</span> </a> </div> </li> <li class="cmp-list__item " data-navigation-leaf="false"> <div> <a class="cmp-list__item-link" href="https://www.munichre-foundation.org/en/Media_Centre.html"> <span class="cmp-list__item-title">Media centre</span> </a> </div> </li> </ul> <div class="headerCw__navigationFill"></div> <button data-overlay-open="search" class="headerCw__navigationSearch" aria-label="open search"> </button> </div> </div> </header> </div> </div> <main class="main content "> <article> <div class="root responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="rowColResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"><div class=" "> <div class="row "> <div class="col "> <div class="breadcrumb aem-GridColumn aem-GridColumn--default--12"> <nav class="cmp-breadcrumb"> <ol class="cmp-breadcrumb__list" itemscope itemtype="http://schema.org/BreadcrumbList"> <li class="cmp-breadcrumb__item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="cmp-breadcrumb__item-link" itemprop="item" href="https://www.munichre-foundation.org/en.html"> <span itemprop="name">Home</span> </a> <meta itemprop="position" content="1"/> </li> <li class="cmp-breadcrumb__item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="cmp-breadcrumb__item-link" itemprop="item" href="https://www.munichre-foundation.org/en/Inclusive_insurance.html"> <span itemprop="name">Inclusive insurance</span> </a> <meta itemprop="position" content="2"/> </li> <li class="cmp-breadcrumb__item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="cmp-breadcrumb__item-link" itemprop="item" href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance.html"> <span itemprop="name">International Conference on Inclusive Insurance</span> </a> <meta itemprop="position" content="3"/> </li> <li class="cmp-breadcrumb__item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a class="cmp-breadcrumb__item-link" itemprop="item" href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024.html"> <span itemprop="name">ICII 2024</span> </a> <meta itemprop="position" content="4"/> </li> <li class="cmp-breadcrumb__item cmp-breadcrumb__item--active" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <span itemprop="name">Field trip</span> <meta itemprop="position" content="5"/> </li> </ol> </nav> </div> <div class="stageStandardWrapper mr-m-stage-standard__wrapper aem-GridColumn aem-GridColumn--default--12"> <mr-m-stage-standard class="mr-m-stage-standard mr-m-stage-standard--themed-background"> <div class="mr-m-stage-standard__overview"> <div class="mr-m-stage-standard__grid-container"> <div class="mr-m-stage-standard__media">  <div class="imageBasic imageBasic--ultraWide " data-ratio="2.9994"> <div class="imageBasic__inner"> <picture><source media="(min-width: 1024px)" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(5).jpg/_jcr_content/renditions/original.image_file.1280.720.0,252,4844,2977.file/ICII2024_FieldTrip_MilkCooperative%20(5).jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(5).jpg/_jcr_content/renditions/original.image_file.1024.576.0,252,4844,2977.file/ICII2024_FieldTrip_MilkCooperative%20(5).jpg 1024w" /><source media="(min-width: 640px)" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(5).jpg/_jcr_content/renditions/original.image_file.768.384.0,404,4844,2826.file/ICII2024_FieldTrip_MilkCooperative%20(5).jpg 768w" /><source media="(min-width: 320px)" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(5).jpg/_jcr_content/renditions/original.image_file.575.575.808,0,4037,3229.file/ICII2024_FieldTrip_MilkCooperative%20(5).jpg 575w" /><img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(5).jpg/_jcr_content/renditions/original.image_file.4844.1615.0,807,4844,2422.file/ICII2024_FieldTrip_MilkCooperative%20(5).jpg" alt="ICII 2024 " title="Field trip ICII 2024 - Nepal"/></picture> </div> </div>  <span class="mr-m-stage-standard__media-caption">© DR</span> </div> <div class="mr-m-stage-standard__overview__content"> <div class="mr-m-stage-standard__overview__content-inner"> <div class="mr-m-stage-standard__overview__content-main"> <h1 class="mr-m-stage-standard__overview__content-main-header "> Agriculture and livestock insurance in Nepal: A path to sustainable development </h1> </div> <div class="mr-m-stage-standard__overview__content-headers"> <h3 class="mr-m-stage-standard__overview__content-headers-subtitle"> Field trip of the ICII 2024 hosted by Shikhar Insurance - Exploring the success of inclusive insurance in Nepal's Gagalphedi region </h3> <p class="mr-m-stage-standard__overview__content-headers-text"> 25 October 2024 </p> </div> </div> </div> <div class="mr-m-stage-standard__overview__content-sharing"> <mr-m-sharing> <mr-m-popover class="mr-m-sharing__popover mr-m-popover--label-visible"> <button class="mr-m-popover__toggle"> <span class="mr-m-popover__toggle-label" data-action="open">Share this page</span> <span class="mr-m-popover__toggle-label" data-action="close">Close</span> <mr-e-icon class="mr-m-popover__toggle-icon" icon-id="mr-icon-share-social" data-action="open" role="presentation"></mr-e-icon> <mr-e-icon class="mr-m-popover__toggle-icon" icon-id="mr-icon-close" data-action="close" role="presentation"></mr-e-icon> </button> <div class="mr-m-popover__overlay"> <div class="mr-m-popover__header"> <p class="mr-m-popover__heading">Share</p> <button class="mr-m-popover__close-btn"> <mr-e-icon class="mr-m-popover__close-icon" icon-id="mr-icon-close" role="presentation"> </mr-e-icon> <span class="mr-h-visually-hidden">Close</span> </button> </div> <section> <ul class="mr-m-sharing__list"> <li> <a class="mr-m-sharing__link " href="//www.linkedin.com/shareArticle?url=https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip.html" target="_blank"> <mr-e-icon class="mr-m-sharing__link-icon" icon-path="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icons/linkedin-2.svg/_jcr_content/renditions/original.media_file.file/linkedin-2.svg" role="presentation"></mr-e-icon> <span class="mr-m-sharing__link-label">LinkedIn</span> </a> </li> <li> <a class="mr-m-sharing__link " href="//www.facebook.com/sharer.php?u=https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip.html" target="_blank"> <mr-e-icon class="mr-m-sharing__link-icon" icon-path="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icons/facebook.svg/_jcr_content/renditions/original.media_file.file/facebook.svg" role="presentation"></mr-e-icon> <span class="mr-m-sharing__link-label">Facebook</span> </a> </li> <li> <a class="mr-m-sharing__link " href="//twitter.com/share?text=Field%20trip&url=https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip.html" target="_blank"> <mr-e-icon class="mr-m-sharing__link-icon" icon-path="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icons/twitter.svg/_jcr_content/renditions/original.media_file.file/twitter.svg" role="presentation"></mr-e-icon> <span class="mr-m-sharing__link-label">Twitter</span> </a> </li> <li> <a class="mr-m-sharing__link " href="whatsapp://send?text=https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip.html" target="_blank"> <mr-e-icon class="mr-m-sharing__link-icon" icon-path="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icons/whatsapp.svg/_jcr_content/renditions/original.media_file.file/whatsapp.svg" role="presentation"></mr-e-icon> <span class="mr-m-sharing__link-label">Whatsapp</span> </a> </li> <li> <a class="mr-m-sharing__link " href="mailto:?subject=Field%20trip&body=https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip.html" target="_blank"> <mr-e-icon class="mr-m-sharing__link-icon" icon-path="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icons/mail.svg/_jcr_content/renditions/original.media_file.file/mail.svg" role="presentation"></mr-e-icon> <span class="mr-m-sharing__link-label">E-Mail</span> </a> </li> <li> <a class="mr-m-sharing__link mr-m-sharing__link--copy" href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024/Field_trip.html" target="_blank"> <mr-e-icon class="mr-m-sharing__link-icon" icon-path="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icons/link-1.svg/_jcr_content/renditions/original.media_file.file/link-1.svg" role="presentation"></mr-e-icon> <span class="mr-m-sharing__link-label">Copy Link</span> </a> </li> </ul> </section> </div> </mr-m-popover> </mr-m-sharing> </div> </div> </div> </mr-m-stage-standard> </div> <div class="textToSpeechPlayer aem-GridColumn aem-GridColumn--default--12"><mr-m-text-to-speech-player class="mr-m-text-to-speech-player" role="application" tabindex="0"> <div class="player__container d-none" data-i18n-play="Play" data-i18n-remove="Remove"> <div class="player__wishlist d-none"><ul></ul></div> <div class="player__content"> <audio class="player__audio d-none"> <source src="" type="audio/mp3"/> </audio> <div class="player__info"> <img alt="alt txt" class="player__info-image" src=""/> <div class="player__info-content"> <h3 class="player__info-name">properties.trackTitle</h3> <p class="player__info-description">properties.trackSubtitle</p> </div> </div> <div class="player__functions"> <div class="player__volume"> <button class="icon-volume" title="Mute player"> <svg class="sound-active" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="https://www.w3.org/2000/svg"> <path d="M4.03189 5.85891L8.98924 1.112V16.6393L4.03189 11.8948H0V5.85891H4.03189ZM11.0506 0V2.07094C13.9251 2.99641 16.0032 5.6939 16.0032 8.87445C16.0032 12.055 13.9227 14.7525 11.0506 15.678V17.7489C15.0395 16.766 17.9976 13.1646 17.9976 8.87206C17.9976 4.57951 15.0395 0.982862 11.0506 0ZM13.4492 8.87684C13.4492 7.13591 12.4807 5.61977 11.0506 4.84018V12.9111C12.4783 12.1315 13.4492 10.6178 13.4492 8.87445V8.87684Z" fill="#6D767C"/> </svg> <svg class="sound-mute" width="24" height="24" viewBox="0 0 24 24" fill="none"> <path d="M5.4,7.9L12,1.5v20.7l-6.6-6.3H0v-8H5.4L5.4,7.9z M21,12l3,3l-2,2l-3-3l-3,3l-2-2l3-3l-3-3l2-2l3,3l3-3l2,2L21,12z" fill="#6D767C"/> </svg> </button> <input class="volume-slider" type="range" min="0" max="100" value="50"/> </div> <div class="player__controls flex-group"> <button class="icon-back" title="Rewind/Previous"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="https://www.w3.org/2000/svg"> <path d="M22 22.2338C22 23.0111 21.152 23.4912 20.4855 23.0913L3.42916 12.8575C2.78182 12.4691 2.78182 11.5309 3.42916 11.1425L20.4855 0.908697C21.152 0.508781 22 0.988895 22 1.76619L22 22.2338Z" fill="#6D767C"/> <rect x="2" width="3" height="24" fill="#6D767C"/> </svg> </button> <button class="icon-play" title="Play"> <svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.2071 8.22547L2.03696 0.0925565C1.57398 -0.173519 1 0.165763 1 0.706361V17.2936C1 17.8342 1.57398 18.1735 2.03696 17.9074L16.2071 9.77453C16.8005 9.43337 16.8005 8.56663 16.2071 8.22547" fill="#6D767C"></path> </svg> </button> <button class="icon-pause d-none" title="Pause"> <svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="https://www.w3.org/2000/svg"> <rect x="2" width="5.25" height="18" fill="#6D767C"></rect> <rect x="10.25" width="5.25" height="18" fill="#6D767C"></rect> </svg> </button> <button class="icon-forward" title="Next"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="https://www.w3.org/2000/svg"> <rect x="19" width="3" height="24"/> <path d="M2 1.76619C2 0.988895 2.84797 0.508783 3.5145 0.908697L20.5708 11.1425C21.2182 11.5309 21.2182 12.4691 20.5708 12.8575L3.5145 23.0913C2.84797 23.4912 2 23.0111 2 22.2338L2 1.76619Z"/> </svg> </button> </div> <div class="player__controls flex-group mobile-position"> <button class="icon-expand" title="Expand player"> <svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M19 1V7.18806H17.875V2.92037L12.0852 8.71019L11.2898 7.91481L17.0796 2.125H12.8125V1H19ZM7.91481 11.2898L2.125 17.079V12.8125H1V19H7.1875V17.875H2.92037L8.71019 12.0852L7.91481 11.2898Z" fill="#6D767C"/> <path d="M19 1H19.1875V0.8125H19V1ZM19 7.18806V7.37556H19.1875V7.18806H19ZM17.875 7.18806H17.6875V7.37556H17.875V7.18806ZM17.875 2.92037H18.0625V2.46771L17.7424 2.78779L17.875 2.92037ZM12.0852 8.71019L11.9526 8.84277L12.0852 8.97535L12.2178 8.84277L12.0852 8.71019ZM11.2898 7.91481L11.1572 7.78223L11.0246 7.91481L11.1572 8.0474L11.2898 7.91481ZM17.0796 2.125L17.2122 2.25758L17.5323 1.9375H17.0796V2.125ZM12.8125 2.125H12.625V2.3125H12.8125V2.125ZM12.8125 1V0.8125H12.625V1H12.8125ZM7.91481 11.2898L8.0474 11.1572L7.91482 11.0246L7.78224 11.1572L7.91481 11.2898ZM2.125 17.079H1.9375V17.5317L2.25758 17.2116L2.125 17.079ZM2.125 12.8125H2.3125V12.625H2.125V12.8125ZM1 12.8125V12.625H0.8125V12.8125H1ZM1 19H0.8125V19.1875H1V19ZM7.1875 19V19.1875H7.375V19H7.1875ZM7.1875 17.875H7.375V17.6875H7.1875V17.875ZM2.92037 17.875L2.78779 17.7424L2.46771 18.0625H2.92037V17.875ZM8.71019 12.0852L8.84277 12.2178L8.97535 12.0852L8.84277 11.9526L8.71019 12.0852ZM18.8125 1V7.18806H19.1875V1H18.8125ZM19 7.00056H17.875V7.37556H19V7.00056ZM18.0625 7.18806V2.92037H17.6875V7.18806H18.0625ZM17.7424 2.78779L11.9526 8.5776L12.2178 8.84277L18.0076 3.05296L17.7424 2.78779ZM12.2178 8.5776L11.4224 7.78223L11.1572 8.0474L11.9526 8.84277L12.2178 8.5776ZM11.4224 8.0474L17.2122 2.25758L16.947 1.99242L11.1572 7.78223L11.4224 8.0474ZM17.0796 1.9375H12.8125V2.3125H17.0796V1.9375ZM13 2.125V1H12.625V2.125H13ZM12.8125 1.1875H19V0.8125H12.8125V1.1875ZM7.78224 11.1572L1.99242 16.9465L2.25758 17.2116L8.04739 11.4224L7.78224 11.1572ZM2.3125 17.079V12.8125H1.9375V17.079H2.3125ZM2.125 12.625H1V13H2.125V12.625ZM0.8125 12.8125V19H1.1875V12.8125H0.8125ZM1 19.1875H7.1875V18.8125H1V19.1875ZM7.375 19V17.875H7V19H7.375ZM7.1875 17.6875H2.92037V18.0625H7.1875V17.6875ZM3.05296 18.0076L8.84277 12.2178L8.5776 11.9526L2.78779 17.7424L3.05296 18.0076ZM8.84277 11.9526L8.0474 11.1572L7.78223 11.4224L8.5776 12.2178L8.84277 11.9526Z" fill="black" fill-opacity="0.2"/> </svg> </button> <button class="icon-minimize" title="Minimize player"> <svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M13.2268 7.76969H17.4939V8.89469H11.3064V2.70719H12.4314V6.97431L18.4057 1L19.2011 1.79538L13.2268 7.76969ZM2.91567 11.0974V12.2224H7.1828L1.20117 18.2046L1.99655 19L7.97873 13.0178V17.2849H9.10373V11.0974H2.91567Z" fill="#6D767C"/> <path d="M13.2268 7.76969L13.0942 7.6371L12.7741 7.95719H13.2268V7.76969ZM17.4939 7.76969H17.6814V7.58219H17.4939V7.76969ZM17.4939 8.89469V9.08219H17.6814V8.89469H17.4939ZM11.3064 8.89469H11.1189V9.08219H11.3064V8.89469ZM11.3064 2.70719V2.51969H11.1189V2.70719H11.3064ZM12.4314 2.70719H12.6189V2.51969H12.4314V2.70719ZM12.4314 6.97431H12.2439V7.42698L12.564 7.1069L12.4314 6.97431ZM18.4057 1L18.5383 0.867417L18.4057 0.734835L18.2731 0.867417L18.4057 1ZM19.2011 1.79538L19.3337 1.92796L19.4662 1.79538L19.3337 1.66279L19.2011 1.79538ZM2.91567 11.0974V10.9099H2.72817V11.0974H2.91567ZM2.91567 12.2224H2.72817V12.4099H2.91567V12.2224ZM7.1828 12.2224L7.31539 12.355L7.63543 12.0349H7.1828V12.2224ZM1.20117 18.2046L1.06858 18.0721L0.936013 18.2046L1.06859 18.3372L1.20117 18.2046ZM1.99655 19L1.86396 19.1326L1.99655 19.2652L2.12913 19.1326L1.99655 19ZM7.97873 13.0178H8.16623V12.5652L7.84615 12.8852L7.97873 13.0178ZM7.97873 17.2849H7.79123V17.4724H7.97873V17.2849ZM9.10373 17.2849V17.4724H9.29123V17.2849H9.10373ZM9.10373 11.0974H9.29123V10.9099H9.10373V11.0974ZM13.2268 7.95719H17.4939V7.58219H13.2268V7.95719ZM17.3064 7.76969V8.89469H17.6814V7.76969H17.3064ZM17.4939 8.70719H11.3064V9.08219H17.4939V8.70719ZM11.4939 8.89469V2.70719H11.1189V8.89469H11.4939ZM11.3064 2.89469H12.4314V2.51969H11.3064V2.89469ZM12.2439 2.70719V6.97431H12.6189V2.70719H12.2439ZM12.564 7.1069L18.5383 1.13258L18.2731 0.867417L12.2988 6.84173L12.564 7.1069ZM18.2731 1.13258L19.0685 1.92796L19.3337 1.66279L18.5383 0.867417L18.2731 1.13258ZM19.0685 1.66279L13.0942 7.6371L13.3594 7.90227L19.3337 1.92796L19.0685 1.66279ZM2.72817 11.0974V12.2224H3.10317V11.0974H2.72817ZM2.91567 12.4099H7.1828V12.0349H2.91567V12.4099ZM7.05021 12.0899L1.06858 18.0721L1.33376 18.3372L7.31539 12.355L7.05021 12.0899ZM1.06859 18.3372L1.86396 19.1326L2.12913 18.8674L1.33375 18.072L1.06859 18.3372ZM2.12913 19.1326L8.11132 13.1504L7.84615 12.8852L1.86396 18.8674L2.12913 19.1326ZM7.79123 13.0178V17.2849H8.16623V13.0178H7.79123ZM7.97873 17.4724H9.10373V17.0974H7.97873V17.4724ZM9.29123 17.2849V11.0974H8.91623V17.2849H9.29123ZM9.10373 10.9099H2.91567V11.2849H9.10373V10.9099Z" fill="#979797"/> </svg> </button> <button class="icon-playlist inactive" title="Show/Hide playlist"> <svg version="1.1" id="Layer_1" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 24 24" style="enable-background:new 0 0 24 24;" xml:space="preserve"> <path d="M15,11H0V9h15V11z M15,2H0v2h15V2z M20,2h-2v2v10.6c-0.6-0.3-1.3-0.6-2-0.6c-2.2,0-4,1.8-4,4s1.8,4,4,4s4-1.8,4-4V4h4V2H20z M0,18h9v-2H0V18z"/> </svg> </button> <button class="icon-close" title="Close player"> <svg class="icon-close" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.5801 8.98875L17.9781 16.3862L16.3873 17.9775L8.98875 10.5801L1.59131 17.9781L0 16.3873L7.398 8.98875L0 1.59075L1.59075 0L8.98875 7.398L16.3873 0L17.9781 1.59075L10.5801 8.98875Z" fill="#6D767C"/> </svg> </button> </div> </div> </div> <div class="player__progress-bar-wrapper"> <div class="player__progress-bar" role="progressbar" aria-valuemin="0" aria-valuemax="100" aria-valuenow=""></div> </div> </div> </mr-m-text-to-speech-player></div> </div> </div> </div> </div> <div class="rowColResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"><div class=" "> <div class="row "> <div class="col "> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> By Antonia Witthoff, Rishi Raithatha and Dirk Reinhard </mr-e-text> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> <strong>Nepal has made significant strides towards sustainable development in recent years. A critical aspect of this journey has been the growth of an inclusive insurance sector, which has the potential to protect the country's most vulnerable populations from unforeseen risks. ICII 2024 participants met with members of a 500-member dairy cooperative in Kageshwori Manahara Municipality, north-east of central Kathmandu, to learn about agricultural and livestock insurance in Nepal, its background, key components and challenges.</strong> </mr-e-text> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> <div><strong>Gagalphedi: A model for rural insurance and cooperative trust</strong></div> <p>Friday 25 October was the last day of the 2024 International Conference on Inclusive Insurance in Kathmandu, Nepal. It was an optional field trip to meet local microinsurance clients in Gagalphedi, about an hour northeast of Kathmandu. Several years ago, small dairy farmers in the area formed a cooperative to share the cost of collection and distribution of milk and milk derivative products and also insuring their cows and buffaloes. From this introduction to insurance, they have expanded their use of insurance to include other livestock (goats and chickens), property and crops. While we were there, one of the young cows was ear-tagged by the vet, who came with the insurance representative (a value-added insurance service) and the farm owner added home insurance to her account. Insurance has been widely adopted in this area; the industry is now working to spread understanding and coverage to more rural areas of Nepal. The ICII 2024 field trip was organised by Shikhar Insurance. Around 50 participants attended the field trip and were exposed to Nepal's rural inclusive insurance practices and their impact on local agriculture and rural communities.</p> </mr-e-text> </div> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div class="h2"> <div class="jumpmark" id="-1544927781" data-title="Box 1: Background on agricultural and livestock insurance in Nepal"></div> <div class="cmp-title"> <h2 class="cmp-title__text"> Box 1: Background on agricultural and livestock insurance in Nepal </h2> </div> </div> </div> <div class="wcm-io-parsys aem-GridColumn aem-GridColumn--default--12"> <mr-m-accordion-tabbed-content class="mr-m-accordion-tabbed-content"> <div class="accordion accordion--doNotCollapse accordion--wide"> <div class="accordion__panel"> <h3 class="accordion__title accordion__titleLink "> <a href="javascript:void(0)"> Click here for more details</a> </h3> <div class="accordion__content"> <div class="richtext section"> <mr-e-text class="cmp-text"> <p>Inclusive insurance in Nepal is broadly categorized into two classes: Agriculture Insurance and Micro Insurance. The Agriculture Insurance Directive, issued by the Insurance Regulator in 2013, marked the beginning of a new era in agriculture insurance. Prior to this, non-insurance organizations, such as NGOs, INGOs, and village communities, provided agriculture insurance services. Nepal has also been practicing the 'Guthi System,' a community-based sociocultural group that provides insurance-like benefits to its members. The Agri Insurance Directive provides the terms and conditions for insurance policies, including premium rates, insurable livestock types, age bars, sum insured limits, and claim procedures. Initially, only seven agri insurance policies were allowed in 2013. Today, there are 32 agri-insurance policies, including:</p> <p>· Livestock Insurance policies (7)</p> <p>· Crop insurance policies - input value basis (6)</p> <p>· Crop insurance policies - Yield value basis (17)</p> <p>· Herbs Insurance Policies - Yield value basis (2)</p> <p>Premium rates for agriculture insurance policies vary across different categories, ranging from 1.25% for poultry (broiler only) to 7.00% for goat (up to 90 days and above 5 years), vegetable (yield value), fodder grass, ginger, and walnut (yield value).</p> <p> </p> <p>The government offers premium subsidies to farmers, with the following rates:</p> <p>· 50% for insured values above NPR 10 million</p> <p>· 65% for insured values above NPR 5 million and below NPR 10 million</p> <p>· 80% for insured values below NPR 5 million</p> <p>· 0% for Nepali pheasant, Sechuan seed, and mint, index-based flood insurance</p> <p>Agriculture insurance policies cover various perils, including fire, acts of God (AoG) perils (earthquake, flood, landslide, drought, storm), accidents, wild animal damage, disease, and damage by insects. However, certain exclusions apply, such as late claim reporting, identification of tag missing, accident beyond 5 km from the shed, and use for other purposes. All 77 districts in Nepal are allocated to insurance companies, with each company responsible for 3 to 20 districts. After mergers, 6 merged companies now have 7 to 8 districts.</p> </mr-e-text> </div> </div> </div> </div> </mr-m-accordion-tabbed-content> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> Nearly 99% of the cooperative's members have insured their livestock - mainly cattle. This high uptake reflects the strong trust the community has in the cooperative. Such high levels of trust can lead to high levels of insurance take-up, as farmers are made to feel confident about investing in policies that can protect them from unexpected risks. The cooperative helps its members manage risk by providing a range of useful insurance options and assisting farmers with claims. In doing so, the cooperative actively reinforces the importance of insurance for resilience. </mr-e-text> </div> <div class="image aem-GridColumn aem-GridColumn--default--12"> <figure class="figure figure--fullWidth"> <div class="imageBasic lightbox" data-ratio="1.4998"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative.jpg/_jcr_content/renditions/original./ICII2024_FieldTrip_MilkCooperative.jpg" alt="Participants learning how to make “barfi” and “pedas” (milk-based sweets) with milk supplied by local farmers at the Kageshwori Milk Production Cooperative" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative.jpg/_jcr_content/renditions/original.image_file.2560.1707.file/ICII2024_FieldTrip_MilkCooperative.jpg 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative.jpg/_jcr_content/renditions/original.image_file.1920.1280.file/ICII2024_FieldTrip_MilkCooperative.jpg 1920w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative.jpg/_jcr_content/renditions/original.image_file.1280.853.file/ICII2024_FieldTrip_MilkCooperative.jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative.jpg/_jcr_content/renditions/original.image_file.640.427.file/ICII2024_FieldTrip_MilkCooperative.jpg 640w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative.jpg/_jcr_content/renditions/original.image_file.320.213.file/ICII2024_FieldTrip_MilkCooperative.jpg 320w" sizes="(min-width: 1280px) 1180px, 100vw" title="Participants learning how to make “barfi” and “pedas” (milk-based sweets) with milk supplied by local farmers at the Kageshwori Milk Production Cooperative"/> </div> <span class="imageBasic__title">© DR</span> </div> <figcaption class="figure__captionWrapper"> <div class="figure__caption"> <div class="figure__captionHeadline">Participants learning how to make “khuwa”, “barfi” and “pedas” (milk-based sweets) with milk supplied by local farmers at the Kageshwori Milk Production Cooperative</div> </div> </figcaption> </figure> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> Encouraged by the positive experience with livestock insurance, many farmers have since extended their insurance cover to include home and personal accident insurance. This has improved the overall financial security of many farmers. The cooperative's support system and use of insurance have made Gagalphedi a model for how inclusive insurance can improve rural communities in Nepal </mr-e-text> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> The dairy cooperative has become an important source of income in Gagalphedi. With around 500 farmer members, the cooperative receives around 2,000 litres of milk every day. Farmers earn about US$1,500 (NPR 200,000) per cow per year, with payments made weekly - usually in cash - to ensure a steady income. </mr-e-text> </div> <div class="image aem-GridColumn aem-GridColumn--default--12"> <figure class="figure figure--fullWidth"> <div class="imageBasic lightbox" data-ratio="1.4997"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(6).jpg/_jcr_content/renditions/original./ICII2024_FieldTrip_MilkCooperative%20(6).jpg" alt="“It is their daily go-to bank, so they have trust in it.” Farmer and member of the Kageshwori Milk Production Co-operative, Gagalphedi" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(6).jpg/_jcr_content/renditions/original.image_file.2560.1707.file/ICII2024_FieldTrip_MilkCooperative%20(6).jpg 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(6).jpg/_jcr_content/renditions/original.image_file.1920.1280.file/ICII2024_FieldTrip_MilkCooperative%20(6).jpg 1920w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(6).jpg/_jcr_content/renditions/original.image_file.1280.854.file/ICII2024_FieldTrip_MilkCooperative%20(6).jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(6).jpg/_jcr_content/renditions/original.image_file.640.427.file/ICII2024_FieldTrip_MilkCooperative%20(6).jpg 640w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(6).jpg/_jcr_content/renditions/original.image_file.320.213.file/ICII2024_FieldTrip_MilkCooperative%20(6).jpg 320w" sizes="(min-width: 1280px) 1180px, 100vw" title="“It is their daily go-to bank, so they have trust in it.” Farmer and member of the Kageshwori Milk Production Co-operative, Gagalphedi"/> </div> <span class="imageBasic__title">© DR</span> </div> <figcaption class="figure__captionWrapper"> <div class="figure__caption"> <div class="figure__captionHeadline">“It is their daily go-to bank, so they have trust in it.” Farmer and member of the Kageshwori Milk Production Co-operative, Gagalphedi</div> </div> </figcaption> </figure> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> Insurance awareness is significantly higher in Gagalphedi than in many other rural parts of the country due to initiatives by providers such as Shikhar Insurance and the support of local co-operatives. While most cattle are insured, around 45% of goats are covered too. Poultry insurance was recently introduced, though its adoption currently remains low. Despite these successes, overall insurance coverage and awareness generally remain low in the rural areas of Nepal. </mr-e-text> </div> <div class="image aem-GridColumn aem-GridColumn--default--12"> <figure class="figure figure--fullWidth"> <div class="imageBasic lightbox" data-ratio="1.5"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(7).jpg/_jcr_content/renditions/original./ICII2024_FieldTrip_MilkCooperative%20(7).jpg" alt="A farmer in front of her poultry farm with around 2000 birds. "I would also like to insure my house," she said when the insurance representatives visited her." srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(7).jpg/_jcr_content/renditions/original.image_file.2560.1707.file/ICII2024_FieldTrip_MilkCooperative%20(7).jpg 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(7).jpg/_jcr_content/renditions/original.image_file.1920.1280.file/ICII2024_FieldTrip_MilkCooperative%20(7).jpg 1920w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(7).jpg/_jcr_content/renditions/original.image_file.1280.853.file/ICII2024_FieldTrip_MilkCooperative%20(7).jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(7).jpg/_jcr_content/renditions/original.image_file.640.427.file/ICII2024_FieldTrip_MilkCooperative%20(7).jpg 640w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(7).jpg/_jcr_content/renditions/original.image_file.320.213.file/ICII2024_FieldTrip_MilkCooperative%20(7).jpg 320w" sizes="(min-width: 1280px) 1180px, 100vw" title="A farmer in front of her poultry farm with around 2000 birds. "I would also like to insure my house," she said when the insurance representatives visited her."/> </div> <span class="imageBasic__title">© DR</span> </div> <figcaption class="figure__captionWrapper"> <div class="figure__caption"> <div class="figure__captionHeadline">A farmer in front of her poultry farm with around 2000 birds. "I would also like to insure my house," she said when the insurance representatives visited her.</div> </div> </figcaption> </figure> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> The community is committed to environmental sustainability through reforestation. For every tree cut down, five to six are replanted, demonstrating a commitment to conservation. A typical South Asian cultural tradition adolescent daughters of local farmers 'marrying' plants further reflects the community's relationship with their environment and commitment to conservation. Farmers in Gagalphedi have adapted their farming practices to cope with changing weather patterns, such as earlier monsoon rains. This includes adjusting their crop calendars, for example planting rice 15-20 days earlier than usual. However, there are concerns about hybrid seeds and livestock, which may be more productive but are considered less resilient than traditional breeds. </mr-e-text> </div> <div class="image aem-GridColumn aem-GridColumn--default--12"> <figure class="figure figure--fullWidth"> <div class="imageBasic lightbox" data-ratio="1.5"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(9).jpg/_jcr_content/renditions/original./ICII2024_FieldTrip_MilkCooperative%20(9).jpg" alt="Sarthak Raj Pandey of Shikhar Insurance explains how cattle are insured. " srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(9).jpg/_jcr_content/renditions/original.image_file.2560.1707.file/ICII2024_FieldTrip_MilkCooperative%20(9).jpg 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(9).jpg/_jcr_content/renditions/original.image_file.1920.1280.file/ICII2024_FieldTrip_MilkCooperative%20(9).jpg 1920w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(9).jpg/_jcr_content/renditions/original.image_file.1280.853.file/ICII2024_FieldTrip_MilkCooperative%20(9).jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(9).jpg/_jcr_content/renditions/original.image_file.640.427.file/ICII2024_FieldTrip_MilkCooperative%20(9).jpg 640w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(9).jpg/_jcr_content/renditions/original.image_file.320.213.file/ICII2024_FieldTrip_MilkCooperative%20(9).jpg 320w" sizes="(min-width: 1280px) 1180px, 100vw" title="Sarthak Raj Pandey of Shikhar Insurance explains how cattle are insured. "/> </div> <span class="imageBasic__title">© DR</span> </div> <figcaption class="figure__captionWrapper"> <div class="figure__caption"> <div class="figure__captionHeadline">Sarthak Raj Pandey of Shikhar Insurance explains how cattle are insured. The animals are given an ear tag and their birthmarks are videotaped so that they can be identified for re-tagging even if the ear tag is lost. The value of the cow is assessed by a veterinarian, which is equal to the sum insured. Insurance is on an annual basis.</div> </div> </figcaption> </figure> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> <p><strong>Digital opportunities and protection gaps beyond agriculture</strong></p> <p>Most farmers in Gagalphedi have smartphones and are aware of digital payment services such as eSewa, Namaste Pay and IME Pay. However, many still use cash for their daily payments and to receive their agricultural income. Although there is no formal bank in the district, the cooperative fulfils this role by providing loans at interest rates of 6-12%. This financial support has helped farmers to manage their finances effectively and has improved their financial access to products such as insurance.</p> <p>Participants also heard first-hand experience from women in Gagalphedi who were able to confidently demonstrate significant financial autonomy. One woman in particular explained that she had been able to save US$300 (NPR 40,000) every month. Their independence has enabled women in the district to contribute significantly to and manage household finances, highlighting the cooperative's role in promoting gender financial equality in the community.</p> <p>While livestock insurance is widespread, health insurance coverage, is still limited. Farmers pay US$26 (NPR 3,500) per year for policies that can provide hospital cash benefits of up to US$750 (NPR 100,000) for treatment for a family of five. However, limited healthcare facilities mean that many residents of Gagalphedi often rely on personal savings for medical expenses - highlighting a gap in healthcare access.</p> </mr-e-text> </div> <div class="image aem-GridColumn aem-GridColumn--default--12"> <figure class="figure figure--fullWidth"> <div class="imageBasic lightbox" data-ratio="1.7778"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(8).jpg/_jcr_content/renditions/original./ICII2024_FieldTrip_MilkCooperative%20(8).jpg" alt="Members of the cooperative share their views and insights on the impact of insurance on independence and resilience, especially for women." srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(8).jpg/_jcr_content/renditions/original.image_file.2560.1440.file/ICII2024_FieldTrip_MilkCooperative%20(8).jpg 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(8).jpg/_jcr_content/renditions/original.image_file.1920.1080.file/ICII2024_FieldTrip_MilkCooperative%20(8).jpg 1920w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(8).jpg/_jcr_content/renditions/original.image_file.1280.720.file/ICII2024_FieldTrip_MilkCooperative%20(8).jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(8).jpg/_jcr_content/renditions/original.image_file.640.360.file/ICII2024_FieldTrip_MilkCooperative%20(8).jpg 640w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/ICII2024_FieldTrip_MilkCooperative%20(8).jpg/_jcr_content/renditions/original.image_file.320.180.file/ICII2024_FieldTrip_MilkCooperative%20(8).jpg 320w" sizes="(min-width: 1280px) 1180px, 100vw" title="Members of the cooperative share their views and insights on the impact of insurance on independence and resilience, especially for women."/> </div> <span class="imageBasic__title">© DR</span> </div> <figcaption class="figure__captionWrapper"> <div class="figure__caption"> <div class="figure__captionHeadline">Members of the cooperative share their views and insights on the impact of insurance on independence and resilience, especially for women.</div> </div> </figcaption> </figure> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> <p><strong>Future outlook</strong></p> <p>The ICII 2024 field trip highlighted the critical role that cooperatives and targeted insurance solutions can play in securing rural livelihoods. Shikhar Insurance, the cooperative and local farmers have worked together to create a strong system of risk management and financial security in Gagalphedi. The district's success shows that with the right support and partnerships, inclusive insurance can increase the prosperity and resilience of rural farming communities.</p> <p>The lessons learned in Gagalphedi have provided valuable insights into the impact of inclusive insurance on rural communities in Nepal. The district is an outstanding example of effective insurance uptake in the country, which is now being used as a benchmark for insurance penetration in other rural areas. Its success is based on a trusted cooperative system that farmers can rely on for financial stability and growth. The community's resilience and adaptability to insurance products showed how inclusive insurance can improve economic security. However, farmers in Gagalphedi - as in other parts of Nepal - remain vulnerable to climate change, reinforcing the need for holistic, inclusive insurance solutions.</p> </mr-e-text> </div> <div class="richtext aem-GridColumn aem-GridColumn--default--12"> <mr-e-text class="cmp-text"> <em>Click</em><a href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024.html"><em> </em></a><a href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024.html"><em>here</em></a><em> to find out more about the ICII 2024 that took place in Kathmandu, Nepal, in October 2024. Click</em><a href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2025.html"><em> </em></a><a href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2025.html"><em>here</em></a><em> for information on the ICII 2025, scheduled to take place in Quito, Ecuador, from 13 to 17 October 2025.</em> </mr-e-text> </div> </div> </div> </div> </div> <div class="rowColResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"><div class=" "> <div class="row "> <div class="col "> <div class="inspireSectionWrapper aem-GridColumn aem-GridColumn--default--12"> <div class="inspireSection mr-m-inspire-section" data-lazy-animation="inspire-section"> <div class="imageBasic imageBasic--ultraWide " data-ratio="2"> <div class="imageBasic__inner"> <picture><source media="(min-width: 1280px)" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.2_to_1.jpg.image_file.2560.1280.file/cropped.2_to_1.jpg 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.2_to_1.jpg.image_file.1280.640.file/cropped.2_to_1.jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.2_to_1.jpg.image_file.768.384.file/cropped.2_to_1.jpg 768w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.2_to_1.jpg.image_file.640.320.file/cropped.2_to_1.jpg 640w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.2_to_1.jpg.image_file.320.160.file/cropped.2_to_1.jpg 320w" /><source media="(min-width: 768px)" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.1280.1280.file/cropped.square.jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.1180.1180.file/cropped.square.jpg 1180w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.1024.1024.file/cropped.square.jpg 1024w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.940.940.file/cropped.square.jpg 940w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.712.712.file/cropped.square.jpg 712w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.575.575.file/cropped.square.jpg 575w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.393.393.file/cropped.square.jpg 393w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.320.320.file/cropped.square.jpg 320w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.210.210.file/cropped.square.jpg 210w" /><source srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.1_to_2.jpg.image_file.768.1536.file/cropped.1_to_2.jpg 768w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.1_to_2.jpg.image_file.640.1280.file/cropped.1_to_2.jpg 640w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.1_to_2.jpg.image_file.320.640.file/cropped.1_to_2.jpg 320w" /><img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/20230810_041620604_iOS.jpg/_jcr_content/renditions/cropped.2_to_1.jpg.image_file.2560.1280.file/cropped.2_to_1.jpg" alt="Yak and Yeti Hotel Kathmandu" title="Yak and Yeti Hotel Kathmandu"/></picture> </div> <span class="imageBasic__title">© Dirk Reinhard</span> </div> <div class="inspireSection__reducedWidth"> <div class="inspireSection__reducedWidthContentArea"> <div class="h2"> <div class="cmp-title"> <h2 class="cmp-title__text">The ICII 2024 is hosted by</h2> </div> </div> <div class="inspireSection__teaserArea"> <div class="inspireSection__teaserAreaHeadline"> <div class="inspireSection__teaserAreaHeadlineTeaser"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://nia.gov.np/" target="_blank"> <div class="modularTeaser__image"> <div class="imageBasic " data-ratio="1.7772"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original./Nepal_Insurance_Authority_Logo.jpg" alt="Logo NIA" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original.image_file.2560.1440.file/Nepal_Insurance_Authority_Logo.jpg 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original.image_file.1280.720.file/Nepal_Insurance_Authority_Logo.jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original.image_file.1180.664.file/Nepal_Insurance_Authority_Logo.jpg 1180w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original.image_file.940.529.file/Nepal_Insurance_Authority_Logo.jpg 940w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original.image_file.712.401.file/Nepal_Insurance_Authority_Logo.jpg 712w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original.image_file.575.323.file/Nepal_Insurance_Authority_Logo.jpg 575w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original.image_file.393.221.file/Nepal_Insurance_Authority_Logo.jpg 393w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Nepal_Insurance_Authority_Logo.jpg/_jcr_content/renditions/original.image_file.210.118.file/Nepal_Insurance_Authority_Logo.jpg 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Logo NIA"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline">Hosted by</div> <div class="modularTeaser__text">Nepal Insurance Authority</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> </div> <div class="inspireSection__teaserAreaHeadlineTeaser"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://www.nia.org.np/" target="_blank"> <div class="modularTeaser__image"> <div class="imageBasic " data-ratio="1.7776"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/NIA%20Logo%20New.jpg/_jcr_content/renditions/cropped.16_to_9.jpg./cropped.16_to_9.jpg" alt="Logo NIA" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/NIA%20Logo%20New.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.1280.720.file/cropped.16_to_9.jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/NIA%20Logo%20New.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.1180.664.file/cropped.16_to_9.jpg 1180w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/NIA%20Logo%20New.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.940.529.file/cropped.16_to_9.jpg 940w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/NIA%20Logo%20New.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.712.401.file/cropped.16_to_9.jpg 712w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/NIA%20Logo%20New.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.575.323.file/cropped.16_to_9.jpg 575w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/NIA%20Logo%20New.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.393.221.file/cropped.16_to_9.jpg 393w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/NIA%20Logo%20New.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.210.118.file/cropped.16_to_9.jpg 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Logo NIA"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline">Hosted by</div> <div class="modularTeaser__text">Nepal Insurers' Association</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> </div> <div class="inspireSection__teaserAreaHeadlineTeaser"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://www.jebisan.com.np/" target="_blank"> <div class="modularTeaser__image"> <div class="imageBasic " data-ratio="1.7772"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.2600.1463.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png" alt="Logo LIA" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.2560.1440.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.1280.720.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.1180.664.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png 1180w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.940.529.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png 940w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.712.401.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png 712w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.575.323.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png 575w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.393.221.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png 393w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/Logo%20Life%20Insurance%20Association_2600.png/_jcr_content/renditions/original.image_file.210.118.0,334,2600,1797.file/Logo%20Life%20Insurance%20Association_2600.png 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Logo LIA"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline">Hosted by</div> <div class="modularTeaser__text">Life Insurance Association</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> </div> </div> <div class="inspireSection__teaserAreaContent"> <div class="inspireSection__teaserAreaContentTuple"> <div class="inspireSection__teaserAreaContentCol"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://www.munichre-foundation.org/en/Inclusive_insurance/International_Conference_on_Inclusive_Insurance/ICII2024.html"> <div class="modularTeaser__image"> <div class="imageBasic imageBasic--ultraWide " data-ratio="1.778"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/LaghuBimakSangh%20LOGO_large.jpg/_jcr_content/renditions/original.image_file.2523.1419.39,0,2562,1419.file/LaghuBimakSangh%20LOGO_large.jpg" alt="Nepal Microinsurance Association" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/LaghuBimakSangh%20LOGO_large.jpg/_jcr_content/renditions/original.image_file.1280.720.39,0,2562,1419.file/LaghuBimakSangh%20LOGO_large.jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/LaghuBimakSangh%20LOGO_large.jpg/_jcr_content/renditions/original.image_file.1180.664.39,0,2562,1419.file/LaghuBimakSangh%20LOGO_large.jpg 1180w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/LaghuBimakSangh%20LOGO_large.jpg/_jcr_content/renditions/original.image_file.940.529.39,0,2562,1419.file/LaghuBimakSangh%20LOGO_large.jpg 940w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/LaghuBimakSangh%20LOGO_large.jpg/_jcr_content/renditions/original.image_file.712.401.39,0,2562,1419.file/LaghuBimakSangh%20LOGO_large.jpg 712w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/LaghuBimakSangh%20LOGO_large.jpg/_jcr_content/renditions/original.image_file.575.323.39,0,2562,1419.file/LaghuBimakSangh%20LOGO_large.jpg 575w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/LaghuBimakSangh%20LOGO_large.jpg/_jcr_content/renditions/original.image_file.393.221.39,0,2562,1419.file/LaghuBimakSangh%20LOGO_large.jpg 393w, /content/dam/munichre/foundation/pictures/inclusive-insurance/2024-icii/LaghuBimakSangh%20LOGO_large.jpg/_jcr_content/renditions/original.image_file.210.118.39,0,2562,1419.file/LaghuBimakSangh%20LOGO_large.jpg 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Nepal Microinsurance Association"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline">Hosted by</div> <div class="modularTeaser__text">Nepal Microinsurance Association</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> </div> <div class="inspireSection__teaserAreaContentCol"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://www.munichre-foundation.org/en.html"> <div class="modularTeaser__image"> <div class="imageBasic " data-ratio="1.7772"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg./cropped.16_to_9.jpg" alt="Logo MRF" srcset="/content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.2560.1440.file/cropped.16_to_9.jpg 2560w, /content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.1280.720.file/cropped.16_to_9.jpg 1280w, /content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.1180.664.file/cropped.16_to_9.jpg 1180w, /content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.940.529.file/cropped.16_to_9.jpg 940w, /content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.712.401.file/cropped.16_to_9.jpg 712w, /content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.575.323.file/cropped.16_to_9.jpg 575w, /content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.393.221.file/cropped.16_to_9.jpg 393w, /content/dam/munichre/foundation/pictures/foundation/MRF_Logo_Claim_colour_2600x1600.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.210.118.file/cropped.16_to_9.jpg 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Logo MRF"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline">In cooperation with</div> <div class="modularTeaser__text">Munich Re Foundation</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> </div> </div> <div class="inspireSection__teaserAreaContentTuple"> <div class="inspireSection__teaserAreaContentCol"> <a class="modularTeaser modularTeaser--standard " data-target-color-scheme="lightBackground" href="https://microinsurancenetwork.org/" target="_blank"> <div class="modularTeaser__image"> <div class="imageBasic " data-ratio="1.7772"> <div class="imageBasic__inner"> <img src="/content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg./cropped.16_to_9.jpg" alt="Logo MiN" srcset="/content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.2560.1440.file/cropped.16_to_9.jpg 2560w, /content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.1280.720.file/cropped.16_to_9.jpg 1280w, /content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.1180.664.file/cropped.16_to_9.jpg 1180w, /content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.940.529.file/cropped.16_to_9.jpg 940w, /content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.712.401.file/cropped.16_to_9.jpg 712w, /content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.575.323.file/cropped.16_to_9.jpg 575w, /content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.393.221.file/cropped.16_to_9.jpg 393w, /content/dam/munichre/foundation/pictures/inclusive-insurance/Microinsurance_Network_Logo.jpg/_jcr_content/renditions/cropped.16_to_9.jpg.image_file.210.118.file/cropped.16_to_9.jpg 210w" sizes="(min-width: 1280px) 270px, (min-width: 1024px) 25vw, (min-width: 768px) 50vw, 100vw" title="Logo MiN"/> </div> </div> </div> <div class="modularTeaser__textContent"> <div class="modularTeaser__headline">In cooperation with</div> <div class="modularTeaser__text">Microinsurance Network</div> <div class="modularTeaser__link" aria-label="link"></div> <div class="modularTeaser__buttonWrapper"> </div> </div> </a> </div> <div class="inspireSection__teaserAreaContentCol"> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </article> </main> <footer class="footer"> <div class="footer__content"> <div class="goto-top"> <a href="#top" class="goto-top__toggler icon__backtotop" aria-label="mrwebsites.corporate.arialabel.gototop"></a> </div> <div class="footer__sitemap"> <div class="footer__sitemap-group"> <div class="linkList"><div class="cmp-title"> <h6 class="cmp-title__text">About us</h6> </div> <ul class="cmp-list"> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/About_us/Purpose_and_vision.html" class="cmp-list__item-link"> Purpose and vision </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/About_us/Board_of_trustees.html" class="cmp-list__item-link"> Board of trustees </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/About_us/Contact_and_Team.html" class="cmp-list__item-link"> Contact and team </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/About_us/Job_openings.html" class="cmp-list__item-link"> Job openings </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/About_us/Environmental_performance.html" class="cmp-list__item-link"> Environmental performance </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/Media_Centre.html" class="cmp-list__item-link"> Media centre </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/Newsletter.html" class="cmp-list__item-link"> Newsletter </a> </div> </li> </ul> </div> </div> <div class="footer__sitemap-group"> <div class="linkList"><div class="cmp-title"> <h6 class="cmp-title__text">Topics</h6> </div> <ul class="cmp-list"> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/climate-adaptation.html" class="cmp-list__item-link"> Climate risk and adaptation </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/Inclusive_insurance.html" class="cmp-list__item-link"> Inclusive insurance </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/climate-mitigation.html" class="cmp-list__item-link"> Climate change mitigation </a> </div> </li> </ul> </div> </div> <div class="footer__sitemap-group footer__sitemap-group--icons"> <div class="linkList"> <ul class="cmp-list"> <li class="list__item cmp-list__item section"> <div> <a data-icon-url="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icons/linkedin-2.svg/_jcr_content/renditions/original.media_file.file/linkedin-2.svg" href="https://www.linkedin.com/company/1136670/" class="cmp-list__item-link icon__linkedin"> </a> </div> </li> <li class="list__item cmp-list__item section"> <div> <a data-icon-url="/content/dam/munichre/contentlounge/website-pieces/icons/static-icons/mr-icons/twitter.svg/_jcr_content/renditions/original.media_file.file/twitter.svg" href="https://twitter.com/MunichReFound" class="cmp-list__item-link icon__twitter"> </a> </div> </li> </ul> </div> </div> </div> <div class="footer__metaWrapper"> <div class="footer__meta"> <div class="linkList"> <ul class="cmp-list"> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/Privacy_statement.html" class="cmp-list__item-link"> Privacy statement </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="#CookieSettings" class="cmp-list__item-link"> Cookie settings </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/Privacy_statement/gdpr.html" class="cmp-list__item-link"> GDPR </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/Legal_notice.html" class="cmp-list__item-link"> Legal notice </a> </div> </li> <li class="cmp-list__item section"> <div> <a href="https://www.munichre-foundation.org/en/Imprint.html" class="cmp-list__item-link"> Imprint </a> </div> </li> </ul> </div> <div class="footer__switch" tabindex="0"> <input type="checkbox" id="accessibilitySwitch"/> <label for="accessibilitySwitch" class="footer__switch-label"> Accessibility mode <span class="footer__switch-rail"> <span class="footer__switch-slider"></span> </span> </label> </div> <div class="copyright richtext"> </div> </div> </div> </div> </footer> </div> <script> if (typeof biotope !== 'undefined') { biotope.configuration.set('data.navigationUrl', '\/en\/_jcr_content.mainnavigation.json'); biotope.configuration.set('data.searchUrl', '\/en\/_jcr_content.fulltextsearch.json'); biotope.configuration.set('data.tgeoUrl', '\/en\/_jcr_content.targetgroupentryoverlay.json'); } </script> <div class="mr-m-navigation__global-config" data-tgeo-url="\/en\/_jcr_content.targetgroupentryoverlay.json" data-navigation-url="\/en\/_jcr_content.mainnavigation.json" data-search-url="\/en\/_jcr_content.fulltextsearch.json"></div> <div class="overlayContainer" role="dialog"> <div class="xfpage page"> <div class="overlay"> <button data-overlay-close class="overlay__close" title="close overlay or press Escape key" aria-label="close overlay or press Escape key"> </button> <div class="overlay__content"> <div data-overlay-id="search"> <div class="search" data-i18n-results="results" data-i18n-results-for="results for" data-rows-per-page="25"> <div class="search__header"> <button class="search__burgerIcon" aria-label="open navigation"></button> <div class="search__input"> <div class="searchInput" data-default-type="pages"> <div class="searchInput__wrapper"> <div class="searchInput__search"> <input class="searchInput__searchInput" name="search" type="text" placeholder="Search"/> <button class="searchInput__searchDelete" type="button" tabindex="-1"></button> <button class="searchInput__searchSubmit" type="button" title="Search"></button> </div> </div> </div> </div> </div> <div class="search__content"> <div class="search__resultSummary"></div> <div class="search__typeFilter"></div> <div class="search__filters"></div> <div class="search__filterReset">Reset all filters</div> </div> <div class="search__results"> <div class="searchResults" data-i18n-label-download="Download" data-i18n-label-save-to-calendar="Save the Date"> <div class="searchResults__header"> <div class="searchResults__count"> <span class="searchResults__countNumber"></span> <span class="searchResults__countLabel">results</span> </div> <div class="searchResults__sorting"> <div class="searchSorting"></div> </div> </div> <div class="searchResults__results"></div> <div class="search__loadingIndicator"></div> <div class="searchResults__actions"> <div class="searchResult__actionsLoadMore"> <a href="#" class="button button--secondary button--noDefaultHover button--db" role="button" tabindex="0">Load next results</a> </div> </div> </div> </div> <div class="search__loadingIndicator"></div> <button class="search__burgerIcon search__menu-hidden"> <span class="mr-h-visually-hidden">close navigation or press Escape key</span> </button> </div> </div> <div data-overlay-id="target-group-entry-overlay"> <div class="targetGroupEntryOverlay"> </div>  <script src="//e.video-cdn.net/v2/embed.js"></script> </div> <div data-overlay-id="navigation"> <mr-m-nav-mobile class="mr-m-navigation mr-m-nav-mobile" active-on-mq="1,2,3" label-aria-open-search="open search" label-aria-close-navigation="close navigation or press Escape key" label-aria-back="go back" api-url="/en/_jcr_content.mainnavigation.json"> </mr-m-nav-mobile> <mr-m-nav-desktop class="mr-m-navigation mr-m-nav-desktop" active-on-mq="4,5" label-aria-open-search="open search" label-aria-close-navigation="close navigation or press Escape key" label-aria-back="go back" api-url="/en/_jcr_content.mainnavigation.json"> </mr-m-nav-desktop> </div> </div> </div> </div> </div> <div class="disclaimercontainer"> <div class="disclaimercontainer__fetchedByOverlaySearch"></div> </div> <script src="/en.frontend-configuration.js"></script> <script src="/etc.clientlibs/munichre/mrwebsites/corporate/core/clientlibs/mrwebsites.corporate.legacy.lc-21efd1ded661b157984290a4f0e73226-lc.min.js" nomodule></script> <script src="/etc.clientlibs/munichre/mrwebsites/corporate/core/clientlibs/mrwebsites.corporate.cq.app-react.lc-0e44f8cb730dd9d6e80166c5a1c3f975-lc.min.js" type="module"></script> <script src="/etc.clientlibs/munichre/mrwebsites/corporate/core/clientlibs/mrwebsites.corporate.app.lc-83c9278de1cbc40803d4dae08c5ca523-lc.min.js" type="module"></script> </body> </html>

CINXE.COM

Field trip