- Diederik van Eck
- Sep 13, 2016
Actuarial lessons learned from the iCHF
Calculating fair and cost-efficient health insurance premiums in data-limited settings.
PharmAccess is a group of non-profit organizations dedicated to improving access to quality healthcare in Africa. PharmAccess mobilizes public and private resources for the benefit of doctors and patients through clinical standards and quality improvements, loans for healthcare providers, health insurance, mHealth innovations and operational research.
This integrated approach is made possible by the following organizations:
This brief illustrates the actuarial considerations behind calculating a health insurance premium in Northern Tanzania and dealing with the data limitations in this setting. As this was a new program and no data was available yet, initial calculations were largely based on data from comparable programs and target group studies. As the insurance program expands over time and utilization data are collected, assumptions can be evaluated and adjusted to ensure the sustainability of the program.