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Why don’t they take a card? Essays on the demand for micro health insurance

Dec 2, 2013

Micro health insurance can shield the poor from the financial hardship of health expenditures but faces low demand. This thesis analyzes why insurance take-up is not higher. The author first shows that prospect theory and adverse selection cannot explain low take-up. She then uses game theory to provide an alternative explanation, namely that microfinance clients can free-ride on financial support from their credit group when they face health expenditures.

A laboratory experiment with microfinance clients in Tanzania provides substantial evidence of this theory, and shows that an insurance model in which the group needs to enroll collectively increases demand. These findings suggest that policy-makers can improve participation in microinsurance programs and enhance welfare by targeting groups rather than individuals.

Click here to read more about this PhD thesis.

Author: Berber Kramer

Date: December 2013


On 12 September 2016, OPIC, Calvert Foundation and two private investors announce expansion
PharmAccess and its German consultancy partner GFA have won a 27.3 million Euros tender from the German development bank KfW to improve access to healthcare for low-income pregnant women in 5 regions of Tanzania.
President Felipe Nyuse of Mozambique officially opened the University Clinic


A population-based study
Date: September, 2015

Research findings on Health Insurance Fund supported programs

Date: February, 2015