The microinsurance in achieving insurance inclusion

Applied research in the Iraqi General Insurance Company

Abstract

The research aims to measure the impact of microinsurance with its dimensions (low-income groups, reasonable cost, low premium, low coverage) in achieving insurance coverage and its dimensions represented by (access, use). The research problem emerged by raising the main question, which is: Does the management of the researched company realize The importance of microinsurance and its impact on achieving insurance coverage? The research was applied in the Iraqi General Insurance Company, and the research relied on the descriptive analytical approach using the questionnaire as the main tool in collecting data from the community, which numbered (55) people who were at the administrative levels (senior, middle, executive), By adopting the comprehensive inventory method as well as the statistical program (SPSS V) was adopted. 28) In calculating (arithmetic mean, standard deviation, coefficient of variation, regression coefficient, corrected interpretation coefficient AR2, t-test, F-test), the research reached a number of results, the most prominent of which were: There is a significant effect of microinsurance with its combined dimensions in achieving Insurance inclusion, with an impact rate of (67.2%).