It is now generally accepted that the approach of enlarging state-based social security systems in developing countries in order to achieve universal coverage has failed. It is the poor and rural population in particular who are largely excluded from any kind of social insurance. This paper...

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...