In this article, we assess the benefits of coordination and partnerships between governments and private insurers, and provide further evidence for microinsurance products as powerful and cost-effective tools for achieving poverty reduction. To explore these ideas, we model the capital of a household from a ruin-theoretic perspective to measure the impact of microinsurance on poverty dynamics and the governmental cost of social protection. We analyse the model under four frameworks: uninsured, insured (without subsidies), insured with subsidised constant premiums and insured with subsidised flexible premiums. Although insurance alone (without subsidies) may not be sufficient to reduce the likelihood of falling into the area of poverty for specific groups of households, since premium payments constrain their capital growth, our analysis suggests that subsidised schemes can provide maximum social benefits while reducing governmental costs.

翻译：在本条中,我们评估了政府与私营保险人之间的协调和伙伴关系的好处,并为小额保险产品提供了进一步的证据,作为实现减贫的强大和具有成本效益的工具。为了探索这些想法,我们从废墟理论的角度对家庭资本进行模拟,以衡量小额保险对贫困动态和政府社会保护成本的影响。我们在四个框架下分析了模式:无保险、保险(无补贴)、有补贴固定保费的保险和有补贴灵活保费的保险。 虽然单靠保险(无补贴)可能不足以降低特定家庭群体陷入贫困的可能性,因为保险支付限制了其资本增长,但我们的分析表明,补贴计划既能提供最大限度的社会福利,又能降低政府成本。