Villagers beside their damaged hut in Vellapallam in the eastern state of Tamil Nadu, India. While the world's attention was locked on the terror attacks in Mumbai in November 2008, a cyclone on the Indian east coast killed dozens of people and left thousands homeless. (Photo: Bajaj Allianz)
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Microinsurance in Times of Crisis
The Garden of God (2/6)
A damaged hut in the village of Nandavanam. Ironically, the village's name means "Garden of God". When cyclone Nisha hit the coastal region of Tamil Nadu in India, thousands of people lost their huts and property. Heavy rainfalls made rivers and lakes swell far beyond their normal size flodding hundreds of coastal villages. (Photo: Bajaj Allianz)
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Microinsurance in Times of Crisis
Cycling Through the Water (4/6)
Villagers in Tamil Nadu, with water up to their knees. Bajaj Allianz microinsurance holders made more than 16,000 claims, dispersed over 44 villages in an area stretching hundreds of kilometers along the coast. (Photo: Bajaj Allianz)
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Microinsurance in Times of Crisis
Wading Through the Water (3/6)
Three days after the cyclone, a team of Bajaj Allianz insurance specialists came to the region to register claims. With no electricity, food, and inaccessible roads, work was very difficult for the Allianz team and their NGO partners. They had to use boats and wade through the water to reach their clients. (Photo: Bajaj Allianz)
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Microinsurance in Times of Crisis
Settling the Claims (5/6)
A claimant signs an acceptance declaration, happy to know that she will be able to rebuild her home. Before the storm, many poor people didn’t understand why they should pay money for insurance. When Bajaj Allianz started settling claims from cyclone Nisha, many people finally realized the value of their investments. (Photo: Bajaj Allianz)
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Microinsurance in Times of Crisis
Always Look on the Bright Side (6/6)
Laughing children in the village Kheezhvelur in the Nagapattinam District. After the cyclone, heavy rainfalls worsened the situation of many villagers, who had already suffered from the cyclone. However, there was hope: despite their losses, children were already laughing. (Photo: Bajaj Allianz)
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