Community based micro insurance has aroused much interest and hope in meeting health care challenges facing the poor. In this paper we explore how institutional rigidities such as credit constraint impinge on demand for health insurance and how insurance could potentially prevent poor households...

... This paper discusses solutions to important incentive problems in micro-health insurance schemes which threaten their sustainability. In particular, three issues explored are : (i) if defining household as unit of insurance always mitigates adverse selection problem; (ii) how ex ante moral...