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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.

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Our mHealth activities built 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

iCHF - How a public-private partnership can help make healthcare work in Northern Tanzania

iCHF (‘improved CHF’), is a voluntary, district-owned health insurance scheme that aims to increase access to quality healthcare for people in rural and low-income groups in Tanzania. Read more

Dec 16, 2016 news
Financial Times showcases Kwara Health Insurance Program as innovator in maternal and child health

Today, the Financial Times published a special report on maternal and child health. It showcases five innovators 'with the potential to ease the burden of maternal and child mortality around the world,' including the Kwara Health Insurance Program. Read more

Nov 17, 2016 in-the-media
World Health Day 2016: Increasing health insurance coverage through microfinance institutions

Without access to health insurance, the poor are forced to spend a large portion of their income on out-of-pocket health expenses. Read more

Sep 13, 2016 in-the-media

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.

INSURANCE BRIEF
IMPROVING MATERNAL CARE
View brief
INSURANCE BRIEF
MTIBA: A DONOR-FUNDED MOBILE HEALTH WALLET IN KENYA
View brief
INSURANCE BRIEF
ENHANCED COMMUNITY-BASED CARE
View brief

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.

FINANCIAL & HEALTH DIARY
OVERVIEW STUDY IN NIGERIA AND KENYA
View diary
FINANCIAL & HEALTH DIARY
HEALTH INSURANCE IN RURAL KENYA
View diary

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

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1105 BM Amsterdam-Zuidoost
The Netherlands

T: +31 (0)20 566 71 58
F: +31 (0)20 566 94 40
E: info@pharmaccess.org