Emerging consumers face the highest level of risk, but have the least access to insurance. MicroEnsure creates innovative insurance solutions to address untapped demand and support farmers as they become resilient. This fast-growing service helps excluded communities to protect themselves from catastrophic downside risks. Telenor India’s Suraksha micro-insurance product (by MicroEnsure) which acquired 22 million opted-in customers in just 148 days from launch. Today, micro-insurance focuses on life products, though cover for healthcare (e.g. emergency hospitalisation) is growing fast.