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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

Dutch Postcode Lottery boosts PharmAccess approach through continued support

During the annual Goed Geld Gala in Amsterdam's Carré theater, the Dutch Postcode Lottery donated a record amount of 357.5 million euro to 112 organizations working to change the world. For the sixth year in a row, PharmAccess was among them. Read more

Feb 16, 2018 news
M-TIBA showcased at UHC Conference in Tokyo

From 12 – 15 December 2017, PharmAccess was invited by the World Bank to display M-TIBA in the Business Unusual innovation showcase at the UHC Forum in Tokyo, Japan. Read more

Dec 18, 2017 news
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

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