Social Insurance in the context of the Polycrisis : A Case Study of Namibia – Resources – CIVIS – Europe’s Civic University Alliance [Ir al contenido](#main) ![](https://civis.eu/build/assets/circle-03-DvaxLIQk.svg) ![](https://civis.eu/build/assets/circle-04-D4E6Ss3k.svg) ![](https://civis.eu/build/assets/circle-06-H_YyMKlQ.svg) [ ![CIVIS – Europe’s Civic University Alliance](https://civis.eu/build/assets/civis-CCpvK1nT.svg)](https://civis.eu/es) - [ Descubrir ](https://civis.eu/es/discover-civis-alliance) - [ ¿Qué es CIVIS? ](https://civis.eu/es/discover-civis-alliance/what-is-civis) - [ Nuestro trabajo ](https://civis.eu/es/discover-civis-alliance/our-work) - [ Misión, Visión & Valores ](https://civis.eu/es/discover-civis-alliance/our-institutional-journey) - [ Gobernanza & Gestión ](https://civis.eu/es/discover-civis-alliance/governance-andamp-management) - [ Quién es quién ](https://civis.eu/es/discover-civis-alliance/who-is-who) - [ CIVIS Association ](https://civis.eu/es/discover-civis-alliance/civis-association) [Resources ](https://civis.eu/es/resources) - [ Aprender ](https://civis.eu/es/learn) - [ Blended Intensive Programmes ](https://civis.eu/es/learn/blended-intensive-programmes) - [ Aprendizaje flexible ](https://civis.eu/es/learn/build-your-learning-path-with-our-modular-offer) - [ Programas de Máster ](https://civis.eu/es/learn/find-your-master-s-programme) - [ Staff weeks & Job Shadowing ](https://civis.eu/es/learn/keep-on-learning-with-staff-weeks-andamp-job-shadowing) - [ Estudiar fuera ](https://civis.eu/es/learn/study-abroad-and-connect-with-civis-universities) [TRACEE ](https://civis.eu/es/the-civis-newsroom/tracee) [CIVIS Museum University Forum ](https://civis.eu/es/discover-civis-alliance/our-work/CIVIS-Museum-University-Forum) - [ Enseñar ](https://civis.eu/es/teach) - [ Convocatorias de proyectos ](https://civis.eu/es/teach/civis-calls) - [ Innovación pedagógica ](https://civis.eu/es/teach/innovate-your-teaching) - [ Recursos para educadores ](https://civis.eu/es/teach/resources-for-educators) [CIVIS Invited to Begin Grant Agreement Preparations for New Erasmus+ Funding Phase ](https://civis.eu/es/the-civis-newsroom/civis-invited-to-begin-grant-agreement-preparations-for-new-erasmus-funding-phase) [Siete años de CIVIS: de un proyecto ambicioso a una próspera comunidad académica ](https://civis.eu/es/the-civis-newsroom/seven-years-of-civis-from-an-ambitious-project-to-a-thriving-academic-community) - [ Investigar ](https://civis.eu/es/research) - [ Colaboración científica ](https://civis.eu/es/research/research-collaboration) - [ Carreras, redes y movilidad ](https://civis.eu/es/research/research-careers-networks-and-projects) - [ Recursos para la investigación ](https://civis.eu/es/research/resources-for-researchers) [CIVIS calls for strengthening Africa-Europe academic mobility through a visa policy for science partnerships ](https://civis.eu/es/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/es/the-civis-newsroom/civis3i-five-years-advancing-research-excellence-across-civis-alliance) - [ Conectar ](https://civis.eu/es/connect) - [ Newsletters ](https://civis.eu/es/connect/newsletters) - [ CIVIS Days ](https://civis.eu/es/connect/civis-days) - [ Sociedad Civil ](https://civis.eu/es/discover-civis-alliance/our-work/open-labs-civic-engagement) - [ Contáctenos ](https://civis.eu/es/contact) - [ Zona de prensa & Branding ](https://civis.eu/es/connect/press-corner-branding-toolkit) [Embajadores estudiantiles de CIVIS conquistan el escenario en el proyecto piloto de la redacción ](https://civis.eu/es/the-civis-newsroom/civis-student-ambassadors-take-the-lead-inside-the-newsroom-pilot-project) [Cómo crear una alianza eficaz: cinco lecciones de las unidades CIVIS ](https://civis.eu/es/the-civis-newsroom/building-an-alliance-that-works-five-lessons-from-the-civis-units) [ Historias ](https://civis.eu/es/the-civis-newsroom) es - [ en ](https://civis.eu/en/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia) - [ de ](https://civis.eu/de/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) - [ 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 - [Descubrir](https://civis.eu/es/discover-civis-alliance) [ Toggle submenu ](#primary-nav-sm-collapse-29) - [ ¿Qué es CIVIS? ](https://civis.eu/es/discover-civis-alliance/what-is-civis) - [ Nuestro trabajo ](https://civis.eu/es/discover-civis-alliance/our-work) - [ Misión, Visión & Valores ](https://civis.eu/es/discover-civis-alliance/our-institutional-journey) - [ Gobernanza & Gestión ](https://civis.eu/es/discover-civis-alliance/governance-andamp-management) - [ Quién es quién ](https://civis.eu/es/discover-civis-alliance/who-is-who) - [ CIVIS Association ](https://civis.eu/es/discover-civis-alliance/civis-association) - [Aprender](https://civis.eu/es/learn) [ Toggle submenu ](#primary-nav-sm-collapse-30) - [ Blended Intensive Programmes ](https://civis.eu/es/learn/blended-intensive-programmes) - [ Aprendizaje flexible ](https://civis.eu/es/learn/build-your-learning-path-with-our-modular-offer) - [ Programas de Máster ](https://civis.eu/es/learn/find-your-master-s-programme) - [ Staff weeks & Job Shadowing ](https://civis.eu/es/learn/keep-on-learning-with-staff-weeks-andamp-job-shadowing) - [ Estudiar fuera ](https://civis.eu/es/learn/study-abroad-and-connect-with-civis-universities) - [Enseñar](https://civis.eu/es/teach) [ Toggle submenu ](#primary-nav-sm-collapse-31) - [ Convocatorias de proyectos ](https://civis.eu/es/teach/civis-calls) - [ Innovación pedagógica ](https://civis.eu/es/teach/innovate-your-teaching) - [ Recursos para educadores ](https://civis.eu/es/teach/resources-for-educators) - [Investigar](https://civis.eu/es/research) [ Toggle submenu ](#primary-nav-sm-collapse-32) - [ Colaboración científica ](https://civis.eu/es/research/research-collaboration) - [ Carreras, redes y movilidad ](https://civis.eu/es/research/research-careers-networks-and-projects) - [ Recursos para la investigación ](https://civis.eu/es/research/resources-for-researchers) - [Conectar](https://civis.eu/es/connect) [ Toggle submenu ](#primary-nav-sm-collapse-33) - [ Newsletters ](https://civis.eu/es/connect/newsletters) - [ CIVIS Days ](https://civis.eu/es/connect/civis-days) - [ Sociedad Civil ](https://civis.eu/es/discover-civis-alliance/our-work/open-labs-civic-engagement) - [ Contáctenos ](https://civis.eu/es/contact) - [ Zona de prensa & Branding ](https://civis.eu/es/connect/press-corner-branding-toolkit) [ Historias ](https://civis.eu/es/the-civis-newsroom) es - [ en ](https://civis.eu/en/resources/social-insurance-in-the-context-of-the-polycrisis-a-case-study-of-namibia) - [ de ](https://civis.eu/de/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) - [ 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/es/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 de septiembre de 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/es/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 de septiembre de 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/es/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. ### Gente - [ Estudiantes ](https://civis.eu/es/i-am-a-student) - [ Académicos e investigadores ](https://civis.eu/es/soy-academico-a-investigador-a) - [ Administradores ](https://civis.eu/es/i-am-an-administrator) - [ Sociedad Civil ](https://civis.eu/es/discover-civis-alliance/our-work/open-labs-civic-engagement) - [ Zona de prensa & Branding ](https://civis.eu/es/connect/press-corner-branding-toolkit) ### Useful links - [ Recursos ](https://civis.eu/es/resources) - [ Ágora CIVIS ](https://civis.eu/es/civis-agora-the-operational-hub-of-the-civis-digital-campus) - [ Iniciativa de Universidades europeas ](https://civis.eu/es/european-universities-initiative) - [ Eventos pasados ](https://civis.eu/es/past-events) - [ Contacto ](https://civis.eu/es/contact) [Newsletters](https://civis.eu/es/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/es/politica-de-cookies) - [ Privacy policy ](https://civis.eu/es/privacy-policy) Website by [Typi Design](https://typi.be) • Design by [Atelier Milky](https://ateliermilky.com) [ ](#top) Search