Index‐based microinsurance is a promising risk management tool for smallholder farmers. Recently, several mobile‐delivered insurance schemes have entered the market. Depending on the degree of digitisation of the product, farmers can learn about the insurance, register, pay premiums and receive payouts via a mobile phone. As cell phone usage and network coverage constantly increase, digitally enabled insurance distribution may overcome previous barriers for insurance adoption. Still, farmers' preferences for these products remain largely unknown. We address this knowledge gap by means of a discrete choice experiment applied to 499 maize farmers in Mali. The experiment presents an easy‐to‐understand multi‐peril crop insurance linked to a greenness index. It focuses on attributes related to the distribution channel and product design. Using mixed logit models, we find that the insurance attributes enabled by mobile‐delivery are attractive to farmers. Product bundles that include mobile‐delivered weather information and agricultural advice in addition to the insurance policy or credit access increase the likelihood of farmers taking out insurance. Similarly, recommendations from fellow farmers increase interest in the insurance product. The results are highly relevant for future product improvements that are needed to increase adoption rates and ultimately realise the loss‐hedging potential of microinsurance.

中文翻译：

---

基于指数的小额保险分配的数字机会：来自马里离散选择实验的证据

基于指数的小额保险对于小农来说是一种很有前途的风险管理工具。最近，一些移动交付的保险方案已进入市场。根据产品的数字化程度，农民可以通过手机了解保险、登记、缴纳保费和接收赔付。随着手机使用率和网络覆盖范围不断增加，数字化保险分销可能会克服以前保险采用的障碍。尽管如此，农民对这些产品的偏好仍然很大程度上未知。我们通过对马里 499 名玉米农民进行离散选择实验来解决这一知识差距。该实验提出了一种易于理解的与绿色指数相关的多重风险作物保险。它侧重于与分销渠道和产品设计相关的属性。使用混合 Logit 模型，我们发现移动交付带来的保险属性对农民很有吸引力。除了保险单或信贷渠道之外，还包括移动天气信息和农业建议的产品包增加了农民购买保险的可能性。同样，来自其他农民的推荐也会增加人们对保险产品的兴趣。结果与未来的产品改进高度相关，这些改进需要提高采用率并最终实现小额保险的损失对冲潜力。