Social Insurance in the context of the Polycrisis : A Case Study of Namibia – Resources – CIVIS – Europe’s Civic University Alliance          [null](#main) 

  ![](https://civis.eu/build/assets/circle-05-Dj7Wr3Es.svg) 

 ![](https://civis.eu/build/assets/circle-04-D4E6Ss3k.svg) 

 ![](https://civis.eu/build/assets/circle-02-Dh7f4uYd.svg) 

[ ![CIVIS – Europe’s Civic University Alliance](https://civis.eu/build/assets/civis-CCpvK1nT.svg)](https://civis.eu/de)

 - [ Entdecken ](https://civis.eu/de/discover-civis-alliance)
    - [ Was ist CIVIS? ](https://civis.eu/de/discover-civis-alliance/what-is-civis)
    - [ Unsere Arbeit ](https://civis.eu/de/discover-civis-alliance/our-work)
    - [ Mission, Vision und Werte ](https://civis.eu/de/discover-civis-alliance/our-institutional-journey)

    - [ Leitung und Verwaltung ](https://civis.eu/de/discover-civis-alliance/governance-andamp-management)
    - [ Wer sind wir ](https://civis.eu/de/discover-civis-alliance/who-is-who)
    - [ CIVIS Association ](https://civis.eu/de/discover-civis-alliance/civis-association)

     [Resources

     ](https://civis.eu/de/resources)
- [ Lernen ](https://civis.eu/de/learn)
    - [ Blended Intensive Programmes ](https://civis.eu/de/learn/blended-intensive-programmes)
    - [ Flexibles Lernen ](https://civis.eu/de/learn/build-your-learning-path-with-our-modular-offer)
    - [ Masterstudiengänge ](https://civis.eu/de/learn/find-your-master-s-programme)
    - [ Staff weeks & Job Shadowing ](https://civis.eu/de/learn/keep-on-learning-with-staff-weeks-andamp-job-shadowing)
    - [ Auslandsstudium ](https://civis.eu/de/learn/study-abroad-and-connect-with-civis-universities)

     [TRACEE

     ](https://civis.eu/de/the-civis-newsroom/tracee) 

     [CIVIS Museum University Forum

     ](https://civis.eu/de/discover-civis-alliance/our-work/CIVIS-Museum-University-Forum)
- [ Lehren ](https://civis.eu/de/teach)
    - [ Projektausschreibungen ](https://civis.eu/de/teach/civis-calls)
    - [ Gestalten Sie Ihr Lehren innovativ ](https://civis.eu/de/teach/innovate-your-teaching)
    - [ Ressourcen für Lehrkräfte ](https://civis.eu/de/teach/resources-for-educators)

     [CIVIS Invited to Begin Grant Agreement Preparations for New Erasmus+ Funding Phase

     ](https://civis.eu/de/the-civis-newsroom/civis-invited-to-begin-grant-agreement-preparations-for-new-erasmus-funding-phase) 

     [Seven years of CIVIS: from an ambitious project to a thriving academic community

     ](https://civis.eu/de/the-civis-newsroom/seven-years-of-civis-from-an-ambitious-project-to-a-thriving-academic-community)
- [ Forschung ](https://civis.eu/de/research)
    - [ Forschungszusammenarbeit ](https://civis.eu/de/research/research-collaboration)
    - [ Karrieren, Netzwerke und Mobilität ](https://civis.eu/de/research/research-careers-networks-and-projects)
    - [ Ressourcen für Forscher ](https://civis.eu/de/research/resources-for-researchers)

     [CIVIS calls for strengthening Africa-Europe academic mobility through a visa policy for science partnerships

     ](https://civis.eu/de/the-civis-newsroom/civis-calls-for-strengthening-africa-europe-academic-mobility-through-a-visa-policy-for-science-partnerships) 

     [CIVIS3i: Five Years Advancing Research Excellence Across CIVIS Alliance

     ](https://civis.eu/de/the-civis-newsroom/civis3i-five-years-advancing-research-excellence-across-civis-alliance)
- [ Verknüpfen ](https://civis.eu/de/connect)
    - [ Newsletter ](https://civis.eu/de/connect/newsletters)
    - [ CIVIS-Tage ](https://civis.eu/de/connect/civis-days)
    - [ Zivilgesellschaft ](https://civis.eu/de/discover-civis-alliance/our-work/open-labs-civic-engagement)
    - [ Kontaktieren Sie uns ](https://civis.eu/de/contact)
    - [ Presseraum & Branding ](https://civis.eu/de/connect/press-corner-branding-toolkit)

     [CIVIS Student Ambassadors Take Centre Stage in Newsroom Pilot

     ](https://civis.eu/de/the-civis-newsroom/civis-student-ambassadors-take-the-lead-inside-the-newsroom-pilot-project) 

     [Eine funktionierende Allianz aufbauen: Fünf Erkenntnisse aus den CIVIS Units

     ](https://civis.eu/de/the-civis-newsroom/building-an-alliance-that-works-five-lessons-from-the-civis-units)

  [ Geschichten ](https://civis.eu/de/the-civis-newsroom) 

   de - [ en ](https://civis.eu/en/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ fr ](https://civis.eu/fr/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ el ](https://civis.eu/el/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ it ](https://civis.eu/it/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ es ](https://civis.eu/es/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ sv ](https://civis.eu/sv/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ ro ](https://civis.eu/ro/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)

 Menu 

 - [Entdecken](https://civis.eu/de/discover-civis-alliance) [ Toggle submenu ](#primary-nav-sm-collapse-29) 

    - [ Was ist CIVIS? ](https://civis.eu/de/discover-civis-alliance/what-is-civis)
    - [ Unsere Arbeit ](https://civis.eu/de/discover-civis-alliance/our-work)
    - [ Mission, Vision und Werte ](https://civis.eu/de/discover-civis-alliance/our-institutional-journey)
    - [ Leitung und Verwaltung ](https://civis.eu/de/discover-civis-alliance/governance-andamp-management)
    - [ Wer sind wir ](https://civis.eu/de/discover-civis-alliance/who-is-who)
    - [ CIVIS Association ](https://civis.eu/de/discover-civis-alliance/civis-association)
- [Lernen](https://civis.eu/de/learn) [ Toggle submenu ](#primary-nav-sm-collapse-30) 

    - [ Blended Intensive Programmes ](https://civis.eu/de/learn/blended-intensive-programmes)
    - [ Flexibles Lernen ](https://civis.eu/de/learn/build-your-learning-path-with-our-modular-offer)
    - [ Masterstudiengänge ](https://civis.eu/de/learn/find-your-master-s-programme)
    - [ Staff weeks & Job Shadowing ](https://civis.eu/de/learn/keep-on-learning-with-staff-weeks-andamp-job-shadowing)
    - [ Auslandsstudium ](https://civis.eu/de/learn/study-abroad-and-connect-with-civis-universities)
- [Lehren](https://civis.eu/de/teach) [ Toggle submenu ](#primary-nav-sm-collapse-31) 

    - [ Projektausschreibungen ](https://civis.eu/de/teach/civis-calls)
    - [ Gestalten Sie Ihr Lehren innovativ ](https://civis.eu/de/teach/innovate-your-teaching)
    - [ Ressourcen für Lehrkräfte ](https://civis.eu/de/teach/resources-for-educators)
- [Forschung](https://civis.eu/de/research) [ Toggle submenu ](#primary-nav-sm-collapse-32) 

    - [ Forschungszusammenarbeit ](https://civis.eu/de/research/research-collaboration)
    - [ Karrieren, Netzwerke und Mobilität ](https://civis.eu/de/research/research-careers-networks-and-projects)
    - [ Ressourcen für Forscher ](https://civis.eu/de/research/resources-for-researchers)
- [Verknüpfen](https://civis.eu/de/connect) [ Toggle submenu ](#primary-nav-sm-collapse-33) 

    - [ Newsletter ](https://civis.eu/de/connect/newsletters)
    - [ CIVIS-Tage ](https://civis.eu/de/connect/civis-days)
    - [ Zivilgesellschaft ](https://civis.eu/de/discover-civis-alliance/our-work/open-labs-civic-engagement)
    - [ Kontaktieren Sie uns ](https://civis.eu/de/contact)
    - [ Presseraum & Branding ](https://civis.eu/de/connect/press-corner-branding-toolkit)

  [ Geschichten ](https://civis.eu/de/the-civis-newsroom) 

   de - [ en ](https://civis.eu/en/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ fr ](https://civis.eu/fr/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ el ](https://civis.eu/el/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ it ](https://civis.eu/it/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ es ](https://civis.eu/es/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ sv ](https://civis.eu/sv/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)
- [ ro ](https://civis.eu/ro/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia)

 1. [Resources ](https://civis.eu/de/resources)
2. Social Insurance in the context of the Polycrisis : A Case Study of Namibia

  Social Insurance in the context of the Polycrisis : A Case Study of Namibia 
=============================================================================

- Polycrisis

- Policy recommendations

- Researchers

 Policy Brief No.4 | April 2025
 By: Sabine Klocke-Daffa

Formal social insurance is an expanding business on the African continent. With rising income and an emerging middle class, more people want a better standard of life and more security for themselves and those they have to care for. Due to prevailing cultural values, care obligations include the living and the dead. Funeral insurance and life cover (with a funeral cover usually being part of it) are therefore particularly favoured as they promise customers to be protected for any kind of life threat and at the same time meet all their social obligations. In the southern African countries of Namibia, South Africa and Botswana, life insurance is a bestseller with billions of US$ of annual turnover. Most contracts are taken out as pure risk insurance – to be paid out after the death of the policyholder. As much as formal insurance appears to be a reliable further pillar of national social security, the financial resources directed towards insurance companies and cooperating banks have been weakening other safeguarding mechanisms such as informal support networks. In times of polycrisis, the situation worsens if risk provisioning is inadequate. Drawing on data from Namibia , this policy brief shows that what was initially intended to increase social security for some inadvertently exacerbated insecurity for many. This led to a cascading failure of security assets, setting a domino effect in motion. It resulted in a severe economic decline and tremendous social hardship.

This policy brief discusses how the polycrisis affects formal insurance which could subsequently threaten security schemes and social protection on the national level. It identifies the factors that support the expansion of formal security products and their inherent hazard potential. Recommendations are directed to policymakers, insurers, employers, and the civil society.

- [  4-social-insurance-in-the-context-of-the-polycrisis-apr-2025-1-klocke-daffa-1.pdf (PDF, 503 KB) 

     ](https://civis.eu/storage/files/4-social-insurance-in-the-context-of-the-polycrisis-apr-2025-1-klocke-daffa-1.pdf)

Other resources
---------------

- ### Bringing Generations Together: A Community Toolkit for Designing International Programs

     30. September 2026 

    - Challenged-based approach
    - Research & Innovation
    - Inclusion & Diversity
    - Civic engagement
    - Community of Practice
    - Open Labs

    - Toolbox

    - Students
    - Academics
    - Researchers
    - Administrators
    - Civil society

     [ See more ](https://civis.eu/de/resources/bringing-generations-together-a-community-toolkit-for-designing-international-programs "Bringing Generations Together: A Community Toolkit for Designing International Programs")
- ### Towards a European Heritage Pedagogy (2026)

     30. September 2026 

    Developed within the CIVIS Open Lab FARO project – Building Community through FARO Convention, this resource proposes a European Heritage Pedagogy inspired by the principles of the Faro Convention. It translates the project's experience into practical guidelines connecting cultural heritage with active citizenship, community participation, inclusion and sustainable development.

    - Innovative Pedagogies
    - Global partnerships
    - Research & Innovation
    - Inclusion & Diversity
    - Civic engagement
    - Participatory research
    - education
    - Open Labs

    - Training materials
    - Guide

    - Academics
    - Researchers
    - Administrators
    - Civil society

     [ See more ](https://civis.eu/de/resources/towards-a-european-heritage-pedagogy-2026 "Towards a European Heritage Pedagogy (2026)")

   ![CIVIS – Europe’s Civic University Alliance](https://civis.eu/build/assets/civis-CCpvK1nT.svg) 
-------------------------------------------------------------------------------------------------

Europe’s Civic University Alliance

 ![Co-funded by the European Union](https://civis.eu/build/assets/co-funded-by-the-european-union-DSKLW1us.png)Views and opinions expressed do not necessarily reflect those of the European Union or the European Education and Culture Executive Agency (EACEA). Neither can be held responsible for them.

 ### Personen

- [ Studierende ](https://civis.eu/de/i-am-a-student)
- [ Akademiker und Forscher ](https://civis.eu/de/i-am-an-academic-researcher)
- [ Administratoren ](https://civis.eu/de/i-am-an-administrator)
- [ Zivilgesellschaft ](https://civis.eu/de/discover-civis-alliance/our-work/open-labs-civic-engagement)
- [ Presseraum & Branding ](https://civis.eu/de/connect/press-corner-branding-toolkit)

  ### Nützliche Links

- [ Ressourcen ](https://civis.eu/de/resources)
- [ CIVIS Agora ](https://civis.eu/de/civis-agora-the-operational-hub-of-the-civis-digital-campus)
- [ Europäische Hochschulinitiative ](https://civis.eu/de/european-universities-initiative)
- [ Vergangene Veranstaltungen ](https://civis.eu/de/past-events)
- [ Kontakt ](https://civis.eu/de/contact)

  [Newsletters](https://civis.eu/de/connect/newsletters)

### Social networks

- [ ![](https://civis.eu/storage/files/instagram.svg) Instagram ](https://www.instagram.com/civis.eu/)
- [ ![](https://civis.eu/storage/files/linkedin.svg) LinkedIn ](https://www.linkedin.com/company/civis-eu)
- [ ![](https://civis.eu/storage/files/facebook.svg) Facebook ](https://www.facebook.com/CIVISEuropeanUniversity/)
- [ ![](https://civis.eu/storage/files/youtube.svg) YouTube ](https://www.youtube.com/channel/UCdCm0FfreX81BuNH-znlRGQ)

 © 2026 – CIVIS – All rights reserved 

 - [ Cookie Policy ](https://civis.eu/de/cookie-policy)
- [ Privacy policy ](https://civis.eu/de/privacy-policy)

  Website by [Typi Design](https://typi.be) • Design by [Atelier Milky](https://ateliermilky.com) 

  [    ](#top) 

   Search