Access to microinsurance is measured by the ease with which a low-income person can acquire available microinsurance products. Often, purchase decisions are postponed when clients encounter too many hurdles to enrol, pay premiums or renew a policy or when they have difficulties in understanding product benefits and processes. Excessive documentation requirements, unclear forms and procedures, liquidity constraints, lack of opportunity to ask questions and lack of physical access are some of the important barriers that prevent clients accessing microinsurance products.