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Coverage levels that are higher than CAT are called “buy-up” or “additional” coverage. 11 For an additional premium paid by the producer, and partially subsidized by the government, a producer can “buy up” the 50/55 catastrophic coverage to any equivalent level of coverage between 50/100 and 75/100 (i.e., up to 75% of “normal” crop yield and 100% of the estimated market price). In limited areas, production can be insured up to the 85/100 level of coverage. APH policies account for more than 90% of yield-based policies sold. The remaining policies, including the Group Risk Plan and Dollar Plan (see box. | Asia-Pacific Research and Training Network on Trade Working Paper Series No 41 July 2007 rev. Oct. 07 Banking and insurance services liberalization and development in Bangladesh Nepal and Malaysia A comparative analysis By By Dilli Raj Khanal Chairman of the Institute for Policy Research and Development IPRAD Nepal. This synthesis paper was prepared based on case studies conducted in Bangladesh by Salahuddin Ahmad and Dilli Raj Khanal 2007 in Malaysia by Muthi Samudram 2007 and in Nepal by Dilli Raj Khanal 2007 . The individual case studies are available as Asia-Pacific Research and Training Network on Trade ARTNeT Working Papers Nos. 38 to 40. The views presented in this paper are those of the author s and do not necessarily reflect the views of IPRAD ARTNeT members partners and the United Nations. This study was conducted as part of the ARTNeT initiative on building regional trade policy and facilitation research capacity in developing countries. This work was carried out with the aid of a grant from IDRC Canada. The technical support of the Economic and Social Commission for Asia and the Pacific is gratefully acknowledged. Any remaining errors are the responsibility of the author who can be contacted at iprad@ntc.net.np. The Asia-Pacific Research and Training Network on Trade ARTNeT is aimed at building regional trade policy and facilitation research capacity in developing countries. The ARTNeT Working Paper Series disseminates the findings of work in progress to encourage the exchange of ideas about trade issues. An objective of the series is to get the findings out quickly even if the presentations are less than fully polished. ARTNeT working papers are available online at www.artnetontrade.org. All material in the working papers may be freely quoted or reprinted but acknowledgment is requested together with a copy of the publication containing the quotation or reprint. The use of the working papers for any commercial purpose including resale is prohibited. 1
