扩大邮政普惠保险：聚焦创新的邮政普惠保险模式和最佳实践

Published by the Universal Postal Union (UPU)Berne, SwitzerlandPrinted in Switzerland by the printing servicesof the UPU International BureauCopyright © 2025 Universal Postal UnionAll rights reservedExcept as otherwise indicated, the copyright in thispublication is owned by the Universal Postal Union.Reproduction is authorized for non-commercial purposes,subject to proper acknowledgement of the source.This authorization does not extend to any materialidentified in this publication as being the copyright of athird party (e.g. through an image credit). Authorizationto reproduce such third party materials must be obtainedfrom the copyright holders concerned.AUTHORS:Solenn Marquette (Project Lead and Expert),Chitraksh Sharma (Senior Consultant, Hystra), SimonBrossard (Project Director, Hystra), Olivier Kayser (SeniorAdvisor, Hystra)Hystra is the sole author of this report. Analyses andconclusions reported here do not necessarily reflectthe views and policies of the sponsors. The sponsorsdo not guarantee the accuracy of the data includedin this publication and accept no responsibility for anyconsequence of its use. By designating or referring to aparticular territory or geographic area, or by using the term“country” in this document, the sponsors do not intend tomake any judgment as to the legal or other status of thatterritory or area.TITLE: Scaling up postal inclusive insurance: zoomingin on innovative postal inclusive insurance models andderiving best practices, 2025ISBN: 978-92-95116-38-2DESIGN: Sonja DenovskiCOVER PHOTO:Phoenix HanCONTACT: ihab.zaghloul@upu.int SCALING UPPOSTALINCLUSIVEINSURANCEZooming in oninnovative postalinclusive insurancemodels and bestpractices TABLE OF CONTENTSAcronyms and initialisms........................................................................................................ 6Figures and tables.....................................................................................................................7Foreword...........................................................................................................9Acknowledgements.................................................................................................................11Executive summary......................................................................................... 13Context and objectives.................................................................................... 16Methodology.................................................................................................... 18Case studies....................................................................................................22SECTION 1:WHY LEVERAGE POSTAL NETWORKSFOR INCLUSIVE INSURANCE?................................................................23SECTION 2:BUSINESS AND PARTNERSHIP MODELS.................................29SECTION 3:HOW POSTS AND INSURANCE COMPANIESCAN BUILD SUCCESSFUL OPERATIONS...................................................34SECTION 4:HOW GOVERNMENTS, INSURANCE REGULATORSAND FUNDERS CAN FOSTER POSTAL INCLUSIVE INSURANCE....................48DETAILED CASE STUDIES.....................................................................53Al Barid Bank and Barid Cash (Morocco)...................................................................... 53Tanzania Posts Corporation........................................................................................... 62India Post and India Post Payments Bank.................................................................... 68Correios (Brazil)...............................................................................................................77Pos Indonesia.................................................................................................................. 86La Banque Postale (France)........................................................................................... 94Appendix................................................................................................................................104Bibliography...........................................................................................................................105 Acronyms and initialismsACAPSSupervisory Authority for Insurance and Social Security(Morocco)APIapplication programming interfaceBPJS-TKgovernment microinsurance scheme for independentworkers (Indonesia)CNRANational Pension and Insurance Fund (Morocco)CNSPNational Council of Private Insurance (Brazil)CPCcentral processing centreGDPgross domestic productGDSGramin Dak Sevak (rural postal service employee inIndia)HDFCHousing Development Finance CorporationIRDAIInsurance Regulatory and Development Authority (India)IPPBIndia Post Payments BankLBPLa Banque PostaleNICNational Insurance Corporation (United Rep. of Tanzania)OJKFinancial Services Authority (Indonesia)PLIPostal Life Insurance (insurance product line in India)RPLIRural Postal Life Insurance (insurance product line inInd