ABSTRACT
Microinsurance programs have expanded rapidly in many developing countries over the past 20 years and are now widely regarded as an integral part of the social protection system. To examine the role of microinsurance in social protection, this article discusses the Indonesian government’s Asuransi Kesejahteraan Sosial (Askesos)—or Social Welfare Insurance Program (SWIP)—which is operated in partnership with community-based organizations and is targeted at informal sector workers. Although the program is currently small and pays limited benefits, it helps informal sector workers and their families cope with the risks that challenge their livelihoods.
