Microinsurance. and Social Health Protection: and Threats. Date 13/11/2008. Harrie Oostingh

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Microinsurance. and Social Health Protection: and Threats. Date 13/11/2008. Harrie Oostingh"

Transcription

1 Microinsurance and Social Health Protection: Opportunities and Threats Date 13/11/2008 Harrie Oostingh

2 Rationale for Health Micro Insurance 5.6 billion people are unprotected against consequences of illness (50% of THE from OOP) (WHO, 2008) ( % ) (, ) 100 million people annually fall into poverty because they have to pay for care (Xu K. et al 2007). Insurance schemes provide a stable income for service providers and facilitate investments in quality of care (IFC, 2008). Poor people priorize health, when asked about risks they re concerced about (Cohen, Sebstad, 2006) 2

3 What risks are people concerned about? Craig Churchill,(2007) adapted from Cohen and Sebstad (2006) Country Priority Risk Uganda Illness, death, disability, property loss, risk of loan Milawi Philippines Vietnam Indonesia Lao P.D.R. Death, food insecurity, illness, education Death, old age, illness Illness, natural disaster, illness, livestock disease Illness, children s education, poor harvest Illness, livestock disease, death Georgia Illness, business loans, theft, t, death, retirement e e t income Ukraine Bolivia Illness, disability, theft Illness, death, property loss (incl. Crop loss in rural areas) 3

4 Growth of Health Microinsurance 80s: Community Based Health Insurance Schemes in response to user fees Extension of Social Protection through Microinsurance 2003: ILO Campaign on Social Protection (STEP) Development of insurance markets 2006/7: Dutch Gvmt 125 mln in Private insurance World wide 35 million people covered through health microinsurance (Landscape study 2007) 4

5 Insurance as alternative ti for failing public health care 5

6 What should social protection do? To ensure that all individuals have access to health care (access) Reducing or eliminating the possibility that an individual will be unable to pay for such care, or will be impoverished as a result of trying to do so (financial protection). Funding and set financial incentives for providers (strategic purchasing) Fair distribution of costs (equity) 6

7 What can Microinsurance do? (Criel, Ekman, Drechsler, Jütting, Dror) Access: Enrolment is relatively low : average 25% ( %) Income and distance to care are main obstacles Members seek care more frequently and earlier (PHC) Micro Health Insurance as entry point to public schemes Financial protection (=prepaid/oop) varies between: 11-60% Prepayment ratio (=prepaid/ p total cost) small. Catastrophic expenditure dropped from 35.6 to 15.1% (SEWA) 7

8 What can Microinsurance do? (II) Strategic purchasing: Divers results; low in case of CBHI, better in case of larger schemes Supply constraint Equity Fragmentation risk pools with low solidarity Insurance market failure: tendency to exclude precisely those people who need it most (HIV, age) Poorest don t have access Two examples: ILO inventory of 14 HMI India, 2005, CARE developing health insurance for PLWHA. 8

9 Why policy makers are hesitant: t Constraints from a systems perspective Efficiency of premium based financing in informal markets (administrative costs between 15-85%) Regulating insurance schemes is complicated: transaction cost for implementing regulation can represent up to 30% of premium revenue (Kumaranayake, Lilani, 1998) Health care should focus on prevention. PHC has potential to prevent 70% of disease burden (WHO, 2008) Insurable interests do not always represent high OOP (Research Dror) 9

10 Innovation: the case of Ghana Initial network of CBHI ( schemes <10% coverage) NHIS 2003 launch Minimum Benefit Package (gov 95% burden disease) Financing: premiums + taxes (VAT+2,5%) + transfer SHI (2.5% contributions) Contracting services: 49% public, 51% private Results: coverage 10% in >70% 2008 Results: financing 75% tax, 24% SHI, 1% premium 10

11 CONCLUSIONS Potential of microinsurance as a mechanism for social health protection is modest. (constraints on comprehensive coverage, equity, efficiency,) MHI has positive impact on reducing OOP and catastrophic health expenditure for people p able to join. Not mechanism to increase availability of resources, but to increase efficiency of their use 11

12 CONCLUSIONS Microinsurance: pooling financial resources and / or raising social capital Organisation of informal economy Channel of subsidies Empowerment towards providers Strengthening g accountability of health systems 12

Current challenges in delivering social security health insurance

Current challenges in delivering social security health insurance International Social Security Association Afric ISSA Meeting of Directors of Social Security Organizations in Asia and the Pacific Seoul, Republic of Korea, 9-11 November 2005 Current challenges in delivering

More information

Health insurance in low-income countries

Health insurance in low-income countries Joint NGO Briefing Paper (bp no.112) Paper Health insurance in low-income countries Where is the evidence that it works? Some donors and governments propose that health insurance mechanisms can close health

More information

MICROINSURANCE PRODUCTS

MICROINSURANCE PRODUCTS MICROINSURANCE PRODUCTS Presentation at KfW/ISSSG Regional Symposium on Microinsurance Tbilisi, Georgia by Mosleh Uddin Ahmed FCA Independent Consultant 28th June 2005 MICROINSURANCE PRODUCTS Several microinsurance

More information

Shaping national health financing systems: can micro-banking contribute?

Shaping national health financing systems: can micro-banking contribute? Shaping national health financing systems: can micro-banking contribute? Varatharajan Durairaj, Sidhartha R. Sinha, David B. Evans and Guy Carrin World Health Report (2010) Background Paper, 22 HEALTH

More information

Development of Health Insurance Scheme for the Rural Population in China

Development of Health Insurance Scheme for the Rural Population in China Development of Health Insurance Scheme for the Rural Population in China Meng Qingyue China Center for Health Development Studies Peking University DPO Conference, NayPyiTaw, Feb 15, 2012 China has experienced

More information

World Health Organization 2009

World Health Organization 2009 World Health Organization 2009 This document is not a formal publication of the World Health Organization (WHO), and all rights are reserved by the Organization. The document may, however, be freely reviewed,

More information

THE COMMODITY RISK MANAGEMENT GROUP WORLD BANK

THE COMMODITY RISK MANAGEMENT GROUP WORLD BANK THE COMMODITY RISK MANAGEMENT GROUP WORLD BANK Agricultural Insurance: Scope and Limitations for Rural Risk Management 5 March 2009 Agenda The global market Products Organisation of agricultural insurance

More information

What is MicroInsurance?

What is MicroInsurance? What is MicroInsurance? Craig Thorburn Senior Insurance Specialist, The World Bank Policy Advisory Consultant, CGAP cthorburn@worldbank.org +1 202 473 4932 or +1 202 470 6012 Skype: craig_thorburn MicroInsurance

More information

Micro insurance: Reaching the Masses at Grass Root Level- The CARD MBA Experience

Micro insurance: Reaching the Masses at Grass Root Level- The CARD MBA Experience Micro insurance: Reaching the Masses at Grass Root Level- The CARD MBA Experience Dr. Jaime Aristotle B. Alip Chairman and Managing Director CARD- Mutually Reinforcing Institutions 17 th ICDC Congress

More information

DEVELOPING MICROTAKAFUL IN INDONESIA 1

DEVELOPING MICROTAKAFUL IN INDONESIA 1 DEVELOPING MICROTAKAFUL IN INDONESIA 1 Agus Haryadi 2 1 The article is presented on The 2 nd International Convention on Takaful and Retakaful, Kuala Lumpur, 23 November 2006 2 Head of Group, Takaful Mikro

More information

Universal Health Coverage: Concepts and Principles. David B Evans, Director Health Systems Financing

Universal Health Coverage: Concepts and Principles. David B Evans, Director Health Systems Financing Universal Health Coverage: Concepts and Principles David B Evans, Director Health Systems Financing Outline Universal Coverage: definitions and the state of the world Health financing systems for Universal

More information

Financing Private Health: A focus on Community Based Health Insurance. Dr. Ambrose Nyangao Intervention Manager 5 h June 2014

Financing Private Health: A focus on Community Based Health Insurance. Dr. Ambrose Nyangao Intervention Manager 5 h June 2014 Financing Private Health: A focus on Community Based Health Insurance Dr. Ambrose Nyangao Intervention Manager 5 h June 2014 Comparing Kenya s private health markets with neighbouring markets: A focus

More information

Questions and Answers on Universal Health Coverage and the post-2015 Framework

Questions and Answers on Universal Health Coverage and the post-2015 Framework Questions and Answers on Universal Health Coverage and the post-2015 Framework How does universal health coverage contribute to sustainable development? Universal health coverage (UHC) has a direct impact

More information

JAMAICA. Agricultural Insurance: Scope and Limitations for Weather Risk Management. Diego Arias Economist. 18 June 2009

JAMAICA. Agricultural Insurance: Scope and Limitations for Weather Risk Management. Diego Arias Economist. 18 June 2009 JAMAICA Agricultural Insurance: Scope and Limitations for Weather Risk Management Diego Arias Economist 18 June 2009 Financed partly by the AAACP EU Support to the Caribbean Agenda The global market Products

More information

Colloquium for Systematic Reviews in International Development Dhaka

Colloquium for Systematic Reviews in International Development Dhaka Community-Based Health Insurance Schemes: A Systematic Review Anagaw Derseh Pro. Arjun S. Bed Dr. Robert Sparrow Colloquium for Systematic Reviews in International Development Dhaka 13 December 2012 Introduction

More information

Making Insurance Work for the Poor Current Practices and Lessons Learnt Craig Churchill, ILO October 2005 Munich

Making Insurance Work for the Poor Current Practices and Lessons Learnt Craig Churchill, ILO October 2005 Munich Making Insurance Work for the Poor Current Practices and Lessons Learnt Craig Churchill, ILO October 2005 Munich Savings, credit, risk prevention Small insurance companies Just another product offered

More information

Microinsurance as a social protection instrument

Microinsurance as a social protection instrument Microinsurance as a social protection instrument Protection from major risks for little money The lives of the poor in developing countries are characterized by constant economic insecurity. Most of them

More information

Microinsurance Products and Delivery Channels

Microinsurance Products and Delivery Channels Microinsurance Products and Delivery Channels Microinsurance Conference 2008 Cartagena, Colombia Craig Churchill International Labour Organization Overview of Presentation Describe how insurance is delivered

More information

Health insurance and micro health insurance. Denis Garand Denis@garandnet.net

Health insurance and micro health insurance. Denis Garand Denis@garandnet.net Health insurance and micro health insurance Denis Garand Denis@garandnet.net What is insurance? A low probability event with a high cost Consumption smoothing A high probability event with low cost E.g.

More information

Secured Transactions & Collateral Registries: Global Expansion, Global Results

Secured Transactions & Collateral Registries: Global Expansion, Global Results Secured Transactions & Collateral Registries: Global Expansion, Global Results WHY SECURED TRANSACTIONS? CLEAR MARKET FAILURE IN LAC AND BEYOND SME Finance Gap 400 million SMEs in developing world 50%

More information

Health insurance for the rural poor?

Health insurance for the rural poor? Health insurance for the rural poor? For most people living in developing countries health insurance is an unknown word. It is generally assumed that, with the exception of the upper classes, people cannot

More information

Life 2008 Spring Meeting June 16-18, Session 101, Actuaries Without Borders An International Experience in Microinsurance.

Life 2008 Spring Meeting June 16-18, Session 101, Actuaries Without Borders An International Experience in Microinsurance. Life 2008 Spring Meeting June 16-18, 2008 Session 101, Actuaries Without Borders An International Experience in Microinsurance Moderator Authors Denis M. J. Garand, FSA, FCIA Firozali Kassamali Hirji,

More information

Health Insurance. Dr Sanjay Arya

Health Insurance. Dr Sanjay Arya Health Insurance Dr Sanjay Arya Definition A contract where individual or group purchase in advance health coverage by paying a fee called premium. Also defined as, including all financial arrangements

More information

Is health care financing in Uganda equitable?

Is health care financing in Uganda equitable? Is health care financing in Uganda equitable? Zikusooka CM 1, Kyomuhang R 2, Orem JN 3, Tumwine M 1 1- HealthNet Consult, Kampala 2- Medical Research Council, Uganda 3- World Health Organisation/Uganda

More information

4 th IAIS/A2ii Consultation Call Agricultural Insurance

4 th IAIS/A2ii Consultation Call Agricultural Insurance 4 th IAIS/A2ii Consultation Call Agricultural Insurance The following questions have been received during the 4 th IAIS-A2ii Consultation Call on Agricultural Insurance on June 26 th at 10am and 4pm and

More information

HEALTH INSURANCE IN VIETNAM: HEALTH CARE REFORM IN A POST-SOCIALIST CONTEXT

HEALTH INSURANCE IN VIETNAM: HEALTH CARE REFORM IN A POST-SOCIALIST CONTEXT HEALTH INSURANCE IN VIETNAM: HEALTH CARE REFORM IN A POST-SOCIALIST CONTEXT By Amy Dao, Columbia University Vietnam s economic and social reform program in 1986 called Đổi Mới (Renovation) signaled the

More information

Title Registration Form Campbell Collaboration Social Welfare Coordinating Group

Title Registration Form Campbell Collaboration Social Welfare Coordinating Group Title Registration Form Campbell Collaboration Social Welfare Coordinating Group 1. Title of review (Suggested format: [intervention/s] for [outcome/s] in [problem/population] in [location/situation] Example:

More information

Maternal and child health: the social protection dividend in West and Central Africa

Maternal and child health: the social protection dividend in West and Central Africa Briefing Paper Strengthening Social Protection for Children inequality reduction of poverty social protection February 2009 reaching the MDGs strategy social exclusion Social Policies security social protection

More information

Secured Transactions and Collateral Registries Program

Secured Transactions and Collateral Registries Program Secured Transactions and Collateral Registries Program Access to Finance, IFC San Jose, Costa Rica, 18 septiembre, 2013 Alejandro Alvarez de la Campa Global Product Leader STCR OUTLINE 1. Definition of

More information

Micro Health Insurance The product development challenge

Micro Health Insurance The product development challenge w w w. I C A 2 0 1 4. o r g Micro Health Insurance The product development challenge Roseanne da Silva Actuarial Society of South Africa The challenge Lack of access to health insurance amongst the poor

More information

Decree On National Health Insurance Fund. Government issued Decree: Chapter I General Provisions

Decree On National Health Insurance Fund. Government issued Decree: Chapter I General Provisions Government Lao People s Democratic Republic Peace Independence Democracy Unity Prosperity ------------------ No.../ GO Vientiane Capital, date./ Decree On National Health Insurance Fund - Pursuant to Law

More information

AGRICULTURAL INSURANCE PRACTICES AND EXPERIENCE IN NEPAL (CROP AND LIVESTOCK)

AGRICULTURAL INSURANCE PRACTICES AND EXPERIENCE IN NEPAL (CROP AND LIVESTOCK) AGRICULTURAL INSURANCE PRACTICES AND EXPERIENCE IN NEPAL (CROP AND LIVESTOCK) - Dip Prakash Panday Chief Executive Officer, Shikhar Insurance Company Ltd. 1 Development of Agri Insurance in Nepal > Non-insurance

More information

POTENTIAL RESEARCH OPPORTUNITY FOR SECURED TRANSACIONS REFORM IN COLOMBIA

POTENTIAL RESEARCH OPPORTUNITY FOR SECURED TRANSACIONS REFORM IN COLOMBIA POTENTIAL RESEARCH OPPORTUNITY FOR SECURED TRANSACIONS REFORM IN COLOMBIA Alejandro Alvarez de la Campa, IFC Boston, September 16, 2011 OUTLINE 1) SECURED TRANSACTIONS: WHAT, WHY, HOW? 2) POTENTIAL IMPACT

More information

Financial Services that Clients Need - The 3.0 Business Models - Reconciling Outreach with Sustainability

Financial Services that Clients Need - The 3.0 Business Models - Reconciling Outreach with Sustainability Financial Services that Clients Need - The 3.0 Business Models - Reconciling Outreach with Sustainability Berlin, 29 November 2012 Robert Peck Christen Maxwell School of Citizenship and Public Affairs,

More information

COUNTRY CASE STUDIES TAX AND INSURANCE FUNDING FOR HEALTH SYSTEMS FACILITATOR S NOTES. Prepared by: Health Economics Unit, University of Cape Town

COUNTRY CASE STUDIES TAX AND INSURANCE FUNDING FOR HEALTH SYSTEMS FACILITATOR S NOTES. Prepared by: Health Economics Unit, University of Cape Town COUNTRY CASE STUDIES TAX AND INSURANCE FUNDING FOR HEALTH SYSTEMS FACILITATOR S NOTES Prepared by: Health Economics Unit, University of Cape Town Preparation of this material was funded through a grant

More information

Experiences on Benefit Package Design: Turkey, Mexico and Thailand

Experiences on Benefit Package Design: Turkey, Mexico and Thailand Experiences on Design: Turkey, Mexico and Thailand Ke Xu, Annie Chu, Rochelle Eng, Marlon Sison World Health Organization Western Pacific Region : Four Tracks, One Goal Towards Universal Health Care Manila,

More information

VOLUNTARY HEALTH INSURANCE FOR RURAL INDIA* GYAN SINGH** ABSTRACT

VOLUNTARY HEALTH INSURANCE FOR RURAL INDIA* GYAN SINGH** ABSTRACT Health and Population - Perspectives and Issues 24(2): 80-87, 2001 VOLUNTARY HEALTH INSURANCE FOR RURAL INDIA* GYAN SINGH** ABSTRACT The rural poor suffer from illness are mainly utilising costly health

More information

National Health Insurance Policy 2013

National Health Insurance Policy 2013 National Health Insurance Policy 2013 1. Background The Interim Constitution of Nepal 2007 provides for free basic health care as a fundamental right of citizens. Accordingly, the Government of Nepal has

More information

Denis Garand John Wipf In collaboration with Donna Swiderek

Denis Garand John Wipf In collaboration with Donna Swiderek Denis Garand Denis@garandnet.net John Wipf johnwipf@yahoo.com In collaboration with Donna Swiderek Credits Sources of information from presentations and publications by: Michael McCord Craig Churchill

More information

Universal Health Coverage: The Regional Agenda

Universal Health Coverage: The Regional Agenda Universal Health Coverage: The Regional Agenda Cristian Morales Regional Advisor, Financing and Health Economics (moralesc@paho.org) Content 1 2 3 4 Why an UHC agenda for the Americas? What is UHC? What

More information

Building up Health Insurance: the Experience of Ghana

Building up Health Insurance: the Experience of Ghana Building up Health Insurance: the Experience of Ghana Dr. Caroline Jehu-Appiah Ghana Health Service 5 th April 2011, Basel Presentation outline Background Achievements Challenges Success factors Way forward

More information

HEALTH MICRO INSURANCE IN INDIA AN OVERVIEW. Presenter: Dr. Sidharth Kachroo 11 July 2013

HEALTH MICRO INSURANCE IN INDIA AN OVERVIEW. Presenter: Dr. Sidharth Kachroo 11 July 2013 HEALTH MICRO INSURANCE IN INDIA AN OVERVIEW Presenter: Dr. Sidharth Kachroo 11 July 2013 Agenda Section 1 Introduction - India 2 Health Micro Insurance in India Rashtriya Swasthya Bima Yojna RSBY 3 (National

More information

Do risk sharing mechanisms improve access to health services in low and middle-income

Do risk sharing mechanisms improve access to health services in low and middle-income August 2008 SUPPORT Summary of a systematic review Do risk sharing mechanisms improve access to health services in low and middle-income countries? The introduction of user charges in many low and middle-income

More information

Social Protection in ASEAN Policy gaps and common challenges. Cheng Boon Ong 17 November 2014, Bangkok

Social Protection in ASEAN Policy gaps and common challenges. Cheng Boon Ong 17 November 2014, Bangkok Social Protection in ASEAN Policy gaps and common challenges Cheng Boon Ong 17 November 2014, Bangkok Methodology ABND for 7 Member States: Vietnam 2010-2011 Cambodia 2011-2012 Indonesia 2011-2012 Thailand

More information

Health Financing in Vietnam: Policy development and impacts

Health Financing in Vietnam: Policy development and impacts Health Financing in Vietnam: Policy development and impacts Björn Ekman Department of Clinical Sciences Lund University, Sweden Sydney 17 September, 2008 Outline of Presentation Part A: Health financing

More information

Number 2 2005 DESIGNING HEALTH FINANCING SYSTEMS TO REDUCE CATASTROPHIC HEALTH EXPENDITURE

Number 2 2005 DESIGNING HEALTH FINANCING SYSTEMS TO REDUCE CATASTROPHIC HEALTH EXPENDITURE Number 2 2005 DESIGNING HEALTH FINANCING SYSTEMS TO REDUCE CATASTROPHIC HEALTH EXPENDITURE Every year, more than 150 million individuals in 44 million households face financial catastrophe as a direct

More information

A PROVIDER-DRIVEN HEALTH PLAN IN KENYA

A PROVIDER-DRIVEN HEALTH PLAN IN KENYA Bima Poa A PROVIDER-DRIVEN HEALTH PLAN IN KENYA Introducing Bima Poa Bima Poa, which means cool insurance in Swahili, is a provider-driven health plan in Western Kenya. It combines health insurance for

More information

BY: ISAAC YAW BUABENG HEAD OF MARKETING, RESEARCH AND EXTERNAL RELATIONS (NIC)

BY: ISAAC YAW BUABENG HEAD OF MARKETING, RESEARCH AND EXTERNAL RELATIONS (NIC) BY: ISAAC YAW BUABENG HEAD OF MARKETING, RESEARCH AND EXTERNAL RELATIONS (NIC) Microinsurance is intended to protect the poor in the society, particularly those working in the informal sector. Often poverty

More information

Community Based Health Insurance in Ethiopia Enrollment and Impact

Community Based Health Insurance in Ethiopia Enrollment and Impact Community Based Health Insurance in Ethiopia Enrollment and Impact Anagaw Mebratie, Zelalem Yilma, Arjun Bedi (Erasmus University Rotterdam) Getnet Alemu (Addis Ababa University) Robert Sparrow (Australian

More information

PROPOSED MECHANISMS FOR FINANCING HEALTHCARE FOR THE POOR.

PROPOSED MECHANISMS FOR FINANCING HEALTHCARE FOR THE POOR. PROPOSED MECHANISMS FOR FINANCING HEALTHCARE FOR THE POOR. Concept Summary Aug 2014 Insight Health Advisors Dr. Gitonga N.R, Prof. G. Mwabu, C. Otieno. PURPOSE OF CONCEPT Propose a mechanism for mobilizing

More information

Harmonization of Health Insurance Schemes in China

Harmonization of Health Insurance Schemes in China Harmonization of Health Insurance Schemes in China Hai Fang Professor of Health Economics China Center for Health Development Studies Peking University China Presentation at the First National Conference

More information

Islamic Republic of Afghanistan Ministry of Public Health. Contents. Health Financing Policy 2012 2020

Islamic Republic of Afghanistan Ministry of Public Health. Contents. Health Financing Policy 2012 2020 Islamic Republic of Afghanistan Ministry of Public Health Contents Health Financing Policy 2012 2020 Table of Content 1. Introduction 1 1.1 Brief County Profile 1 1.2 Health Status Data 1 1.3 Sources

More information

Allianz Reducing the risks of the poor through microinsurance

Allianz Reducing the risks of the poor through microinsurance DEDICATED TO MAKING A DIFFERENCE World Business Council for Sustainable Development Case Study 2009 Allianz Reducing the risks of the poor through microinsurance The business case The Allianz Group has

More information

Introduction to Business Planning for Microinsurance

Introduction to Business Planning for Microinsurance Introduction to Business Planning for Microinsurance Objectives Introduce the MI Business Planning Module Create awareness of the value of preparing and having a business plan Outline the key components

More information

Role of Micro Finance Institutions in Micro Insurance

Role of Micro Finance Institutions in Micro Insurance Global Journal of Management and Business Studies. ISSN 2248-9878 Volume 3, Number 5 (2013), pp. 535-540 Research India Publications http://www.ripublication.com/gjmbs.htm Role of Micro Finance Institutions

More information

Discussion paper #003. Microinsurance and Social Protection

Discussion paper #003. Microinsurance and Social Protection Discussion paper #003 Microinsurance and Social Protection Copyright: This publication is protected by the law from the 18th of April 2001 of the Grand-Duchy of Luxembourg concerning copyright databases

More information

Policy Brief. Determinants of Rural Households Demand For Micro Health Insurance Plans in Tanzania. carnold Kihaule. Ardhi University, Dar Es Salaam

Policy Brief. Determinants of Rural Households Demand For Micro Health Insurance Plans in Tanzania. carnold Kihaule. Ardhi University, Dar Es Salaam Policy Brief No. xx? /Month 20xx? Determinants of Rural Households Demand For Micro Health Insurance Plans in Tanzania carnold Kihaule Ardhi University, Dar Es Salaam Executive statement The objective

More information

DISCUSSION PAPER NUMBER 1-2003

DISCUSSION PAPER NUMBER 1-2003 World Health Organization Geneva EIP/FER/DP.E.03.1 Community based Health Insurance Schemes in Developing Countries: facts, problems and perspectives DISCUSSION PAPER NUMBER 1-2003 Department "Health System

More information

PHILIPPINES DISASTER RISK FINANCING

PHILIPPINES DISASTER RISK FINANCING PHILIPPINES DISASTER RISK FINANCING Roberto B. Tan Step Forward for Building Disaster Resilience in the Philippines: Emerging Strategies for Disaster Risk Reduction and Financing 30 November 2015 Paris,

More information

Insuring the Poor and Vulnerable. Helping the poor weather life s storms. Richard Leftley - CEO, MicroEnsure

Insuring the Poor and Vulnerable. Helping the poor weather life s storms. Richard Leftley - CEO, MicroEnsure Insuring the Poor and Vulnerable Helping the poor weather life s storms Richard Leftley - CEO, MicroEnsure The poor do not buy insurance What Causes This Lack of Access? The poor face huge risk which is

More information

DESIGN OF INCENTIVES IN COMMUNITY BASED HEALTH INSURANCE SCHEMES

DESIGN OF INCENTIVES IN COMMUNITY BASED HEALTH INSURANCE SCHEMES WORKING PAPER NO. 95 DESIGN OF INCENTIVES IN COMMUNITY BASED HEALTH INSURANCE SCHEMES RAJEEV AHUJA JOHANNES JÜTTING FEBRUARY 2003 INDIAN COUNCIL FOR RESEARCH ON INTERNATIONAL ECONOMIC RELATIONS Core-6A,

More information

Willingness to Pay for Health Insurance: An Analysis of the Potential Market for Health Insurance in Namibia

Willingness to Pay for Health Insurance: An Analysis of the Potential Market for Health Insurance in Namibia Willingness to Pay for Health Insurance: An Analysis of the Potential Market for Health Insurance in Namibia Abay Asfaw World Bank Consultant Emily Gustafsson-Wright Amsterdam Institute for International

More information

Common Format for Project/Program Concept Note for the Use of Resources from the PPCR Competitive Set-Aside (Round II)

Common Format for Project/Program Concept Note for the Use of Resources from the PPCR Competitive Set-Aside (Round II) Common Format for Project/Program Concept Note for the Use of Resources from the PPCR Competitive Set-Aside (Round II) 1. Country/Region: BOLIVIA 2. CIF Project ID#: 3. Project/Program Title: 4. Date of

More information

Introduction to Universal Health Coverage and Financing

Introduction to Universal Health Coverage and Financing Introduction to Universal Health Coverage and Financing Awad MATARIA, PhD Health Economist World Health Organization Eastern-Mediterranean Regional Office Regional Workshop on Cost-Effectiveness Analysis:

More information

Ensuring that health financing policy supports universal health coverage efforts

Ensuring that health financing policy supports universal health coverage efforts National Conference on Ensuring that health financing policy supports universal health coverage efforts Matthew Jowett PhD Senior Health Financing Specialist WHO Geneva What is universal health coverage?

More information

Institutional Options for Achieving Scale and Sustainability: Lessons from the Philippines (Microinsurance MBA Model)

Institutional Options for Achieving Scale and Sustainability: Lessons from the Philippines (Microinsurance MBA Model) Institutional Options for Achieving Scale and Sustainability: Lessons from the Philippines (Microinsurance MBA Model) By: Jaime Aristotle B. Alip, Ph D. RIMANSI Organization for Asia and the Pacific, Inc.

More information

UNIVERSAL HEALTH COVERAGE II Mandated Insurance: Austria and Germany

UNIVERSAL HEALTH COVERAGE II Mandated Insurance: Austria and Germany COVERAGE II Mandated Insurance: and The first brief in this series introduced the concept of Universal Health Coverage, as defined by the World Health Organisation. It looked at how the NHI White Paper

More information

The Impact of Micro-Health Insurance on the Access to Health Care Services among the Informal Sector Employees in Urban Areas of Nigeria.

The Impact of Micro-Health Insurance on the Access to Health Care Services among the Informal Sector Employees in Urban Areas of Nigeria. The Impact of Micro-Health Insurance on the Access to Health Care Services among the Informal Sector Employees in Urban Areas of Nigeria. BY: Saheed O. OLAYIWOLA Department of Economics, University of

More information

The Evolution and Future of Social Security in Africa: An Actuarial Perspective

The Evolution and Future of Social Security in Africa: An Actuarial Perspective w w w. I C A 2 0 1 4. o r g The Evolution and Future of Social Security in Africa: An Actuarial Perspective Presented by Members of the Actuarial Society of South Africa Social Security Committee Fatima

More information

Proliferation & Penetration of Micro Health Insurance: A Few Lessons

Proliferation & Penetration of Micro Health Insurance: A Few Lessons Proliferation & Penetration of Micro Health Insurance: A Few Lessons Expert Group Meeting: Innovative Finance for Sustainable Development United Nations, New York October 19,2007 Ms. Rupalee Ruchismita

More information

Health insurance, financial protec2on and poverty

Health insurance, financial protec2on and poverty Health insurance, financial protec2on and poverty Stéphane Verguet Department of Global Health, University of Washington verguet@uw.edu EMRO, Cairo, December 14-18, 2014 1 Medical impoverishment & financial

More information

MICROINSURANCE. Virginia Tan, Allen & Overy LLP. protection, risk

MICROINSURANCE. Virginia Tan, Allen & Overy LLP. protection, risk MICROINSURANCE Virginia Tan, Allen & Overy LLP Type: Legal Guide Published: June 2012 Last Updated: June 2012 Keywords: Microinsurance, protection, risk This document provides general information and comments

More information

Providing Financial Protection and Funding Health Service Benefits for the Informal Sector: Evidence from sub- Saharan Africa

Providing Financial Protection and Funding Health Service Benefits for the Informal Sector: Evidence from sub- Saharan Africa Providing Financial Protection and Funding Health Service Benefits for the Informal Sector: Evidence from sub- Saharan Africa WORKING PAPER 2 April 2013 Jane Chuma*, Stephen Mulupi*, Diane McIntyre** *

More information

Investment in Affordable Housing and Housing Microfinance in Africa

Investment in Affordable Housing and Housing Microfinance in Africa Investment in Affordable Housing and Housing Microfinance in Africa Barbara Hewson CEO, New Urban Finance Facility for Africa Fund Manager: NewLine Investment Advisors 144 East 44 th St. New York, NY 10017

More information

Microinsurance NOTE 3 Partnerships: Microfinance Institutions and Commercial Insurers

Microinsurance NOTE 3 Partnerships: Microfinance Institutions and Commercial Insurers Microinsurance NOTE 3 Partnerships: Microfinance Institutions and Commercial Insurers MFIs, working directly with the lowincome market, conducting financial transactions, managing financial controls, and

More information

The Landscape of Micro Insurance in Kenya.

The Landscape of Micro Insurance in Kenya. The Landscape of Micro Insurance in Kenya. Presented by: Joseph Kamiri General Manager, Strategy &Marketing. CIC Insurance Group GENERAL LIFE HEALTH ASSET Kenyan Sportsmen Kenyan Heritage Overview

More information

Liberty Africa Insurance

Liberty Africa Insurance Highlights Opened a life insurance business in Zambia Liberty Online was implemented in three countries and enhanced business integration in East A new short-term administration system was implemented

More information

Group Health Insurance Schemes of State Governments

Group Health Insurance Schemes of State Governments 2 nd Prize Winner Dr Vinita Rana, NIA, Pune Group Health Insurance Schemes of State Governments Over the last 50 years India has achieved a lot in terms of health improvement. But still India is way behind

More information

A demand side study. Independent study report submitted in partial fulfillment for the degree of Master of Public Health. Lakshmi Durga Chava

A demand side study. Independent study report submitted in partial fulfillment for the degree of Master of Public Health. Lakshmi Durga Chava Enrollment and renewal decisions of subscribers and non-subscribers of Ultra Poor and Non-Ultra Poor for BRAC, Micro Health Insurance scheme for rural women in Bangladesh: A demand side study Independent

More information

FINANCING HEALTH CARE Through communitybased insurance and

FINANCING HEALTH CARE Through communitybased insurance and FINANCING HEALTH CARE Through communitybased health insurance and performancebased financing mechanisms The PEPFAR/USAID-funded Program to Build Leadership and Accountability in Nigeria s Health System

More information

Health Financing for UHC: promising directions and pitfalls to avoid

Health Financing for UHC: promising directions and pitfalls to avoid Health Financing for UHC: promising directions and pitfalls to avoid Joseph Kutzin, Coordinator Health Financing Policy, WHO UHC: everybody s rhetoric but whose responsibility Netherlands Platform for

More information

Key Performance Indicators for Microinsurance. Jennifer Hennig jennifer.hennig@giz.de Bert Opdebeeck bert.opdebeeck@brs.coop

Key Performance Indicators for Microinsurance. Jennifer Hennig jennifer.hennig@giz.de Bert Opdebeeck bert.opdebeeck@brs.coop Key Performance Indicators Jennifer Hennig jennifer.hennig@giz.de Bert Opdebeeck bert.opdebeeck@brs.coop Social Performance Indicators The social performance indicators for microinsurance are designed

More information

Pension schemes are integral parts of China s social protection system

Pension schemes are integral parts of China s social protection system Dewen Wang World Bank March 26-27, 2014, Incheon, Republic of Korea Pension schemes are integral parts of China s social protection system SP programs Social Insurance Social Assistance Social Welfare

More information

Delivering Microinsurance through Insurance Companies. The Case of Uganda

Delivering Microinsurance through Insurance Companies. The Case of Uganda Delivering Microinsurance through Insurance Companies The Case of Uganda Olli-Pekka Ruuskanen Uganda Insurers Association Draft 15.9.2008 1 Olli-Pekka Ruuskanen Uganda Insurers Association Plot 24, Acacia

More information

Ensuring access: health insurance schemes and HIV

Ensuring access: health insurance schemes and HIV Ensuring access: health insurance schemes and HIV Joep M.A. Lange Academic Medical Center, University of Amsterdam Amsterdam Institute for Global Health & Development With great help from: Onno Schellekens

More information

The impact of community based health insurance in health service utilization in Tigray; (Case of kilte Awlaelo woreda)

The impact of community based health insurance in health service utilization in Tigray; (Case of kilte Awlaelo woreda) The impact of community based health insurance in health service utilization in Tigray; (Case of kilte Awlaelo woreda) Msc.Thesis Gebremeskel Tesfay May, 2014 Mekelle University i P a g e College of business

More information

About Lloyd s. About 360 Risk Insight. About the MicroInsurance Centre. Contents

About Lloyd s. About 360 Risk Insight. About the MicroInsurance Centre. Contents About Lloyd s Lloyd s is the world s leading specialist insurance market, conducting business in over 200 countries and territories worldwide and is often the first to insure new, unusual or complex risks.

More information

Insurance Law Service

Insurance Law Service April 2013 Submission to Good Shepherd Microfinance regarding its Microinsurance Discussion Paper by the Insurance Law Service (a project of the Consumer Credit Legal Centre (NSW) Inc) The Consumer Credit

More information

Microfinance and HIV/AIDS NOTE #3 Microinsurance for Markets Affected by HIV/AIDS

Microfinance and HIV/AIDS NOTE #3 Microinsurance for Markets Affected by HIV/AIDS Microfinance and HIV/AIDS NOTE #3 Microinsurance for Markets Affected by HIV/AIDS Too many households worldwide are caught in a vicious cycle of poverty and HIV/AIDS. These households have to care for

More information

HEALTH CARE FINANCING STRENGTHENING HEALTH SYSTEMS WITH HEALTH CARE FINANCING. Stronger health systems. Greater health impact.

HEALTH CARE FINANCING STRENGTHENING HEALTH SYSTEMS WITH HEALTH CARE FINANCING. Stronger health systems. Greater health impact. HEALTH CARE FINANCING STRENGTHENING HEALTH SYSTEMS WITH HEALTH CARE FINANCING Stronger health systems. Greater health impact. COMMUNITY-BASED HEALTH INSURANCE Universal health coverage aims to ensure equitable

More information

Secured Transactions and Collateral Registries Program

Secured Transactions and Collateral Registries Program Secured Transactions and Collateral Registries Program Access to Finance, IFC Amman, Jordan, June 25, 2013 Alejandro Alvarez de la Campa Global Product Leader STCR OUTLINE 1. Definition of Secured Transactions

More information

Appendix D. IFC Investments and Advisory Services with Health Financing Approved in FY03 12

Appendix D. IFC Investments and Advisory Services with Health Financing Approved in FY03 12 Appendix D. IFC Investments and Advisory Services with Health Financing Approved in FY03 12 1. This appendix provides an overview of the strategy of the International Finance Corporation (IFC) in health

More information

Tapping the Market: Opportunities for Domestic Investment in Water and Sanitation for the Poor

Tapping the Market: Opportunities for Domestic Investment in Water and Sanitation for the Poor @WSPWorldBank Tapping the Market: Opportunities for Domestic Investment in Water and Sanitation for the Poor Crawford School of Public Policy September 13 2013 Bob Warner Jae So 09/11/2013 A market out

More information

IMPACT OF VILLAGE SAVINGS AND LOAN ASSOCIATIONS

IMPACT OF VILLAGE SAVINGS AND LOAN ASSOCIATIONS IMPACT OF VILLAGE SAVINGS AND LOAN ASSOCIATIONS FINDINGS FROM GHANA, MALAWI AND UGANDA BRAM THUYSBAERT WITH DEAN KARLAN (YALE) AND CHRIS UDRY (YALE) IPA-ADB-JPAL Bangkok conference September 1-2012 Motivation

More information

A Cautionary Note for Microfinance Institutions and Donors Considering Developing Microinsurance Products

A Cautionary Note for Microfinance Institutions and Donors Considering Developing Microinsurance Products A Cautionary Note for Microfinance Institutions and Donors Considering Developing Microinsurance Products A Cautionary Note for Microfinance Institutions and Donors Considering Developing Microinsurance

More information

Health Insurance: Innovation and Challenges Ahead

Health Insurance: Innovation and Challenges Ahead Global Journal of Management and Business Studies. ISSN 2248-9878 Volume 3, Number 5 (2013), pp. 475-780 Research India Publications http://www.ripublication.com/gjmbs.htm Health Insurance: Innovation

More information

PPP- ROLE OF BUSINESS IN AFRICA S HEALTHCARE THE HYGEIA GROUP S EXPERIENCE

PPP- ROLE OF BUSINESS IN AFRICA S HEALTHCARE THE HYGEIA GROUP S EXPERIENCE PPP- ROLE OF BUSINESS IN AFRICA S HEALTHCARE THE HYGEIA GROUP S EXPERIENCE FOLA LAOYE MARCH 2006 NIGERIAN HEALTHCARE OVERVIEW ROLE OF PPP IN NIGERIA HYGEIA S RESPONSE TO PPP IN NIGERIA NIGERIAN HEALTHCARE

More information

1. Bank Group Support to Health Financing

1. Bank Group Support to Health Financing 1. Bank Group Support to Health Financing Highlights The way that health services are financed affects human welfare because it influences how health systems perform in improving health outcomes, and more

More information

Paving the Road for Micro-Insurance in the MENA Region

Paving the Road for Micro-Insurance in the MENA Region Egyptian Financial Supervisory Authority Paving the Road for Micro-Insurance in the MENA Region Introduction to Microinsurance Cairo, Egypt 16th December 2009 Martina Wiedmaier-Pfister German Federal Ministry

More information

Providing Health Insurance for the Poor: The Philippine Experience. Leizel P Lagrada MD MPH PhD Berlin Global Learning Forum/ June 23-27, 2015

Providing Health Insurance for the Poor: The Philippine Experience. Leizel P Lagrada MD MPH PhD Berlin Global Learning Forum/ June 23-27, 2015 Providing Health Insurance for the Poor: The Philippine Experience Leizel P Lagrada MD MPH PhD Berlin Global Learning Forum/ June 23-27, 2015 Experience of Enrolling the Poor in selected JLN countries

More information