New report on lessons learned and good practices in health microinsurance
Although microinsurance is relatively new, it is gathering momentum and addition resources are clearing the pathway for product and service innovations. Lessons learned and good practices in health microinsurance, by Taara Chandani and Denis Garand, is a guide that takes stock of the learning in Health Microinsurance (HMI) and offers practical advice to implementers and knowledge practitioners. PharmAccess was asked to contribute to this publication by sharing valuable perspectives with the authors on how to design and administer client-orientated, viable schemes. The authors interviewed our implementers to fill the gaps in literature and gained insight in PharmAccess’s ideology and lessons learnt in their running programs in Africa.
This guide has been commissioned by the Microinsurance Network and its Health Working Group, the exchange platform for donors, non-government organizations (NGOs), and the insurance industry in the area of insurance for the poor.
In 2012, the Health Working Group of the Microinsurance Network launched an inventory project of HMI products and lessons learned. This inventory project captured emerging trends and lessons from more than 100 HMI schemes in over 40 developing countries. A majority of the sources of these lessons are thematic self-evaluations and action-based research conducted by HMI schemes. Approximately 75 of the active schemes are in Asia, followed by over 50 in Africa and nearly 20 in Latin America.
This guide also offers research supported by the Microinsurance Innovation Facility, the Microinsurance Learning and Knowledge Project (MILK), the ILO Strategies and Tools against Social Exclusion and Poverty (STEP) program, and others.
Topics discussed in this guide include:
1. Reaching poor households
2. Ensuring value to clients: expanding product benefits
3. Ensuring value to clients: delivering high quality medical services
4. Achieving institutional sustainability
The writers of this guide conclude by saying that HMI schemes around the world are pushing the frontiers by reaching underserved groups, providing health care that clients increasingly value, including outpatient care and value-added services, utilizing technology to enhance risk with health providers, and understanding the trade-offs that are needed to sustain HMI.
The rich experiences from the field, many of which have been documented and highlighted in this report, should continue to guide and inspire practitioners. The process of taking stock has also led to the discovery of new questions and areas for future experimentation. With these, and many other questions, the HMI sector stands ready for a fresh round of collective learning and growing.
To read the full report click here.