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Behavioral diagnostics toolkit for inclusive insurance

This toolkit provides a practical, step-by-step approach for diagnosing behavioral barriers before designing or scaling inclusive insurance products. Developed using behavioral science and the COM-B framework, it helps product managers, innovation teams and distribution partners understand why customers, agents and other actors do or do not perform desired behaviors, and supports the design, prototyping and implementation of targeted interventions.

• Resource type Toolkit
• Author Jackline Chemtai Kapsukut, Zach Mills, Duncan Adera, Joyce Karimi Nthiga, Rahab Kariuki and Matthew Genazzini; Busara & Microinsurance Network
• OrganisationBusara, Microinsurance Network
• Year of Publication2026
• RegionGlobal
• LanguageEnglish
• Keywords Agricultural Insurance, Financial Inclusion