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Health insurance

Developing organized demand for healthcare

Developing organized demand for healthcare

Reducing out-of-pocket expenditure through insurance or other forms of pre-payment offers financial protection and peace of mind to people in case they fall ill. At the same time, predictable income, for example from health insurance, helps healthcare providers to run their business effectively.

With African partners such as governments, mobile network and money operators, insurers and insurance distributors, we design and develop private and public-private health insurance schemes for lower-income groups. By providing risk sharing mechanisms, we reduce financial risks for local partners in order to kick-start sustainable market development and growth. We build on existing institutions and stimulate not only the demand side of the market through insurance, but also the supply side of the market.. Quality improvement of healthcare providers, for example, is a central aspect within all our health insurance schemes.


Our PPP models in Nigeria, Tanzania and Kenya are increasingly being recognized and adopted by local go vernments and partners.

We constantly evaluate the results and performance of our health insurance schemes. Operational research on our programs helps us adapt them to increase their impact, so that more people gain access to quality healthcare. Impact evaluations of our health plans show an increase of healthcare utilization, improved health outcomes and better financial protection in target communities.

Our mHealth activities build on existing social solidarity mechanisms to offer new easy to access forms of pre-payment and risk sharing for healthcare. High mobile phone penetration in many African countries opens up possibilities for targeting specific population groups through segmentation based on mobile phone and money usage, location and demographic information. Lower transaction costs, increased transparency and shortened cash cycles in turn make the businesses of healthcare providers more resilient and enable them to improve the quality of care.


Latest news about Health insurance

Impact of social protection interventions for basic healthcare provision

A policy brief written by PharmAccess, AIGHD, Amsterdam Institute for International Development (AIDD), Health Policy Plus and the African Population and Health Research Center presents the key findings from a two-year study comparing implementation and impact of two social protection interventions for basic healthcare provision. Read more

Nov 21, 2017 publication
Credit Bank and Medical Credit Fund partner to increase access to finance for Kenyan health sector

On 20 November 2017, Credit Bank and the Medical Credit Fund have announced a partnership that aims to increase access to better healthcare services in Kenya. The partnership benefits private healthcare institutions and accommodates access to technical assistance and affordable financial support with the aim of improving the quality of healthcare. Read more

Nov 21, 2017 in-the-media
Launch of Woman360 to accelerate entrepreneurship in healthcare in Ghana

Last week during a festive launch, Woman360, standing for exceptional maternal care always, was born. Woman360 is a franchise for high quality antenatal and delivery services. According to Dutch ambassador Ron Strikker “Woman360 creates the opportunity to meet the demand of the middle-income women who are willing to pay for better services for health, which improves overall health in Ghana.” Read more

Nov 02, 2017 in-the-media
Queen Máxima visits Lagos digital health insurance pilot

Her Majesty Queen Máxima of the Netherlands visited Nigeria this week in her capacity as the United Nations Secretary-General’s Special Advocate for Inclusive Finance for Development (UNSGSA). The main aim of the visit was to explore opportunities to accelerate Nigeria’s National Financial Inclusion Strategy. She also visited a private hospital where, upon the request of the Lagos State Government, PharmAccess and CarePay are piloting a digital health insurance program... Read more

Nov 01, 2017 news
Great Escape Documentary will be shown at Dutch Global Health Film Festival

Partner of PharmAccess, The Joep Lange Institute, is proud to present its documentary ‘The Great Escape’ at the first Dutch Global Health Film Festival that is taking place in Utrecht on Saturday October 28th. The London based initiative introduces the festival for the first time in the Netherlands to bring together people with interest in global health to think, discuss and debate about global health related issues. The Great Escape is a short documentary how to reach social equity in healthcare in Africa by using mobile technology.

Read more

Oct 25, 2017 news

Side By Side. The story of Ismail and Amina

While Nigeria constitutes 2% of the world’s population, it accounts for up to 14% of global maternal deaths. More than 12% of children born in Nigeria don’t live to celebrate their fifth birthday. Health insurance still has very low penetration, leading to catastrophic health expenditure and overall poor quality of services. In Kwara State there is a program that addresses this challenge. It brings affordable, quality health care to the rural population: The Kwara State Health Insurance program. This film tells the story of Ismail and Amina, showing us what choices the family faces and the positive impact the program has on this family as well as the community.

Insurance briefs

The PharmAccess Research briefs provide an overview, insights and background on several projects, or subject areas usually dealt with in long form researches conducted by PharmAccess and our partners.

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Financial & Health Diaries

The Financial & Health Diaries project documents how 240 low-income families in rural Nigeria and Kenya manage money & health issues. This Diaries project was conducted by the Amsterdam Institute for International Development and PharmAccess with the support of VU University, Tinbergen, IFPRI and A4NH.

View diary
View diary

Interested in working with us or learning more about our health insurance programs?

AHTC, Tower C4 • Paasheuvelweg 25
1105 BP Amsterdam • The Netherlands

T: +31 (0) 20 – 210 3920