This Practical Note examines the nascent micro-insurance sector in West Bengal, paying particular attention to the corporate-NGO partnership model for micro-insurance distribution, which has been enabled by India’s unique regulatory framework. We challenge the popular construction of this model as a ‘win-win’ for all parties by analysing conflicting understandings of micro-insurance schemes and their purposes by insurance companies, NGOs, and poor villagers. The article also considers the role of the specific political context of West Bengal in constricting corporate-NGO micro-insurance.
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