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Enrollees in Nigeria, Kenya and Tanzania


Total disbursed loan amount in USD


Number of patient visits to SafeCare facilities per month


Number of active clinics in the SafeCare program


The social dilemma of microinsurance: A framed field experiment with microcredit groups in Tanzania

Jan 21, 2014

Health shocks are among the most important unprotected risks for microfinance clients, but the take-up of micro health insurance typically remains limited. This paper attributes low enrollment rates to a social dilemma. Our theory is that in jointly liable groups, insurance is a public good. Clients can rely on contributions from group members to cope with shocks. Less risk averse clients have a private incentive to free-ride and forgo individual insurance even when insurance optimizes group welfare. The binding nature of insurance offered at the group level eliminates such free-riding. A framed public good experiment in Tanzania, eliciting demand for group versus individual microinsurance, yields substantial support for this hypothesis. This provides a potential explanation for low take-up rates.

Click here to read the full working paper.

Author: Wendy Janssens and Berber Kramer

Date: January 2014


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