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It is increasingly recognized that the economic cost of a risk is greater to the insured than to the insurer, and therefore the transfer of risk can create value for the insured poor. But is there is sufficient opportunity for the poor to transfer risks to insurers? This article identifies some...
Persistent link: https://www.econbiz.de/10014048327
Micro health insurance units (MIUs) reduce negative financial consequences of healthcare costs for people who cannot access to formal and affordable health insurance. In order to survive, MIUs need capital to cover their outlier costs (whose probability of occurring is low but not zero). The...
Persistent link: https://www.econbiz.de/10014223934
Based on a survey in seven locations, this article finds that most Indians are willing to pay 1.35 per cent of income or more for health insurance and most people prefer a holistic benefit package at basic coverage over high coverage of only rare events. The needs of the poor, and their demand...
Persistent link: https://www.econbiz.de/10014223936
Limited funding dictates that health insurance for low-income persons would compensate only part of healthcare needs. Existing health insurance products in India are too restrictive to be attractive to low-income & rural populations. We hypothesize that attractive health insurance must represent...
Persistent link: https://www.econbiz.de/10014223937
The definition of microinsurance can be split into its two aspects: Firstly, what constitutes insurance and secondly, what is micro in microinsurance. This chapter offers an explanation of both aspects
Persistent link: https://www.econbiz.de/10013054303
This paper reports on two voluntary, contributory, contextualized, community-based health insurance (CBHI) schemes, launched in Dhading and Banke (Nepal) in 2011. The implementation followed a four stage process: initiating (baseline survey), involving (awareness generation and engaging...
Persistent link: https://www.econbiz.de/10013061387
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Persistent link: https://www.econbiz.de/10010354129
"This book is the first and only study on implementing Universal Health Coverage in poor, rural and informal settings, with end-to-end guidance for rolling out a demand-driven and needs-based health insurance model. The chapters are comprehensive, covering topics such as data collection and...
Persistent link: https://www.econbiz.de/10012121743