Facebook Twitter Linkedin



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


MILK Brief #22: 'Doing the Math' - Outpatient Health Insurance in Tanzania

May 24, 2013

The MILK Project is a three-year initiative of the MicroInsurance Centre designed to research whether there is a business case for microinsurance and whether it really benefits low-income families. MILK Briefs are about research that has been completed and indicate lessons learned from that work. In this MILK Brief, the MILK project’s Client MATH team explores the value that Tanzania’s KNCU Health Plan offers its clients.

The KNCU Health Plan is a collaborative effort of the multi-national microinsurance intermediary MicroEnsure, the Dutch NGO PharmAccess, and the Kilimanjaro Native Cooperative Union. In partnership with surveyors from the Tanzania Women Research Foundation (TAWREF), we identified and interviewed former patients – both members of the KNCU Health Plan and individuals with no health insurance coverage at all – about the cost and quality of a recent outpatient healthcare visit for a non-chronic condition.

We explore the total costs of the illness, looking not only at the direct cost of care but transportation costs and opportunity costs given that these can contribute to the incentives to seek care and when. We examine financial savings, but we also explore how the combination of lower costs and improved service value influence clients’ health-seeking behavior. We find that the product offers significant cost savings for the insured. We also see some evidence that by reducing costs and distances, the coverage influences clients to seek care sooner than uninsured respondents.


Click here to read the full report.



Author: Barbara Magnoni, Laura Budzyna, Danielle Sobol and Emily Zimmerman

Date: May 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