Project MIMIS Micro Insurance Management Information System

Project MIMIS : Micro Insurance Management Information System - Overview - Valérie Schmitt-Diabaté, Francois-Xavier Hay, Maxime Feroul

A Presentation Background & Rationale for MIMIS Starting point MIMIS Vision MIMIS Project Management MIMIS Description Coming Steps MIMIS – Project Overview

Background Microinsurance is expanding, growingly seen as a social security distribution tool through linkages between large social security schemes and community based practitioners. Microinsurance Operations /transactions are split in 3 tiers Field transactions, (highly contextualised) Semi technical transactions like Underwriting, claim settlement Highly skilled like actuarial stats, risk mgt, global transactions. Such vertical management is technical, requires “numbers” to be pooled, transactions between stakeholders to be automated MIMIS – Project Overview Several existing MIS : • Local Practitioners Standalone, limited to a context , Adaptation of a microfinance MIS • • Third party administrator, Insurer internal MIS, Health Benefit MIS But they lack : • • • Openness, adaptation to local context Sharing transactions with stakeholders (horizontal) Ability to manage larger schemes (consolidation to top)

Rationale Microinsurance local stakeholders • • MIMI S • • micro insurance / social security products and their benefit packages members and dependants/beneficiaries various processes like enrolments, collections, entitlement to benefits, claims settlement, management of cash flows, etc. flows of information through multiple channels: SMS, paper, Internet, etc. MIMIS – Project Overview require ready to use, user-friendly and cheap management solutions Microinsurance Global Stakeholders require Data consolidation from bottom to top, whatever microinsurance methods used MIMIS project intends to make transactions between microinsurance stakeholders easily manageable thanks to a warehouse of MIS, tools and data.

Interactions between stakeholders Insurer (Optional) Government Cofinancing Regulation Microinsurance Practitioner (Trade unions, Cooperatives, MFIs, NGOs, and other points of association) & Their Branches Information and Contributions Member MIMIS – Project Overview Consolidated Premium, claim financial transactions Consolidated Reporting SBPC Financing, Funds for treasury management, Members, dependants and contributions infos. Shared Business Process Centre Enrolment, claims reporting and other management indicators. Access to Individual File Information Use the services, Pay the co payment Empanels , Approve Cashless payment, pays bills. Request Cashless payment, sends bills. Service Provider

MIMIS Starting Point A strong experience and field knowledge from various contexts • • • “MAS Gestion” and “MAS Pilote”: set of software developed by ILO / STEP, for partners in Africa. “SYSLIFT” (Inter Aide / Up. Lift India Association, India / Philippines) And software from GRET (Cambodia), (WHO, Laos), AACMIS, (Latin America; Gestarsalud, Colombia) Various development partners invited to cooperate along with their partner organizations • • • ILO/STEP (Concertation, AMIN, ACYM, International Alliance), Inter Aide (Versailles, France) with MACIF (France), Up. Lift India Association (Pune, India) C 2 S 2 (India) GTZ HSS (New Delhi, India) And other organisations like WHO, GRET, Micro Insurance Academy, CIDR, ADA, BRS, ICMIF, ISSA Software development / Insurance MIS specialist contributors • • Tieto Enator MACIF France IBEX Project Services, Geneva, Switzerland And other resources to be invited through the open source model chosen in this project. MIMIS – Project Overview MIMIS = A Common Work. Place

Mimis Vision A comprehensive reliable toolbox globally landmarked to manage micro insurance in various contexts, A global database gathering valuable information for various microinsurance / social security risks, A new cooperation model based on complementarities & synergies between field practitioners, development partners and IT experts in various countries gathered in a Single virtual Workplace MIMIS – Project Overview

MIMIS Project Objectives & Timeline MIMIS – Project Overview

MIMIS Collaborative workplace MIMIS Partnership Partners GIVE their own development, tools, specification, following a common development philosophy, open source and modular. Partners GET everyone else’s contributions and tools, able to be easily plugged in in their own system. Professional Open Source discipline Partners contribute to a project that they want to “own” or to be part of Publishing openly exposes outputs to critics, ensuring a better quality The community “hardens” the software “Open source Leverage effect” Makes the project much cheaper for validating requirements, reviewing and testing, documenting, translating, participating in help forum, fixing bugs, bringing scalability, . . . MIMIS – Project Overview ! Open source means a certain freedom and openness but does not mean “no cost”.

MIMIS Project committee Main role : Identify / hire / Manage a group of experts and assigned to research, analyse, specify, develop, and test. To develop the development community’s “ecosystem” and administrate openly the project components. To design and supervise the project road map, ensure proper open source governance. Deploy strategy including marketing support, services, engineering, training, references, and product management. Raise funds. MIMIS – Project Overview Ensures the overall project cycle management discipline, timeline and transparency, as well as a free but controlled distribution with an ethical usage, and data sharing policy endorsement.

MIMIS Licenses Software GPL + No commercial Use + Data belongs to users global association (except information that gives a possibility to identify specifically an individual (i. e. name, first address line) Documentation under creative commons Logo on docs: Website contents License WRITE in website :
This work is licensed under a Creative Commons Attribution-Noncommercial-Share Alike 2. 0 France License. Position (if license agreed): Specific page of ILO’s GIMI website. “Insured” consolidated data Gathered in a non profit entity, democratically /transparently managed.

MIMIS Project Governance Charter components License, usage, contribution rules, communication rules (cf creative commons and others…), Decision and deblocking processes, committee joining rules, Communication Online docs wiki mode Collaborative Website Contents Forum IT Project Rules developing charter, versioning politics and software, technologic software, templates for specification (UML), architercture and conception philosophy, platform. Open source Frameworks and plugins.

MIMIS - A cooperative puzzle MIMIS Core Framework Multiple instanciation & usage The project define the rules to define a new piece and how to integrate it in the puzzle A piece can be a specific local project with its own needs , funds and people. . . MIMIS – Project Overview

Inside MIMIS. . . Mimis users Data Flow Mimis Modules A “Generic” Framework configurable and adaptable MIMIS – Project Overview

Mimis Users Members/Clients of a microinsurance scheme [MBE]: individuals, families, villagers, employees, members of a trade union, clients of an MFI Micro insurance practitioners: Front Office [FO], Branch Office [BO] and Head Office [PHO]: cooperatives, mutuals, MFIs, federations of Self help groups, NGOs, trade unions Management Platform [MP]: business process unit, hosting skilled staff for performing data management, treasury management, claim management, Risk Management Health Care Services / benefits Providers [BP] Data analysts [DA] : researchers, Statisticians Database users [DU]: Development partners, Governments and international organizations, Financial partners, Researchers MIMIS – Project Overview

Multiple Clients, multiple data flow DA MIMIS Central DBU HO FO FO FO Internet MP GSM BP MBE MIMIS – Project Overview

Mimis Module SDO Stats and Database Outputs DA MIMIS - Central DU Central Module MP HO FO FO FO Module CRM (Client Relationship Management) MBE BP Module BPM (Service / Benefits Providers Management) MIMIS – Project Overview

Central Module Enables the “instantiation” of Generic MIMIS in a particular context MIMIS generic, downloadable, from MIMIS web site, presentation, manuals, reference, with forum, registration application BPC registration management, license, accesses, data exchange protocols. Instantiation of MIMIS in BPC, Local standards setup, database and catalogues initialization, Accounting charter, Financial and operational management rules. (these rules are by default equal to the regional standards) Products setup with pricing and benefits structures and management rules. (Independent unit) MIMIS – Project Overview

Other Modules CRM: “Client Relationship Management” Transactions between Members, front office, head office and data management platform BPM: “Benefit Provider Management”: Transactions between Management platform, benefit providers, and members. SDO: Statistics and Data Outputs: Transactions between MIMIS central and data outputs users. MIMIS – Project Overview

And many more modules … From a generic towards a locally adapted information system Pragmatic approach Each context is different, each Existing MIS scheme is specific however a lot of technical management needs are common Build a “generic” application and instantiate in various context : modular plugin architecture Core MIMIS mechanisms agnostic interface The generic MIMIS will have the ability to benefit from all of the adaptations done in each specific MIMIS and thus become progressively more adaptable while providing more and more functions MIMIS – Project Overview MIMIS Modules

Coming steps – towards objectives 1&2 A stable project framework is setup under professional open source governance Inviting various partners aboard Committees Project & Open source team are setup /defined. governance and components Setup The generic MIMIS is developed matching the common standard expectations of partners and tested MIMIS – Project Overview

First steps Growing a framework Building a common workplace With templates, building blocks and methods Making it easy for people to work in MIMIS workplace instead of in their own corner Inviting financial partners in for boosting MIMIS core project An iterative approach filling gaps without throwing away existing MIS. MIMIS – Project Overview

Preliminary tasks Creating the community & choice of committee rules (licence, copyrigth, . . . ). A new name ? A logo ? Identify Project space setup in a wiki way with templates & building blocks, easy to understand architecture a common “language-Glossary” to compare system function and make everyone comfortable in the workplace finding funds for a first light implementation creating more member for the commitee and enlarge a community Sensitizing on MIMIS: a proper place for starting new projects and sharing possibilities identify common missing module so that the evolution can be done with MIMIS in mind inventory of existing MIS MIMIS – Project Overview