Microcare, Uganda: Financing health through communities, in Innovation for sustainable development : Local case studies from Africa

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This volume aims to highlight many exciting innovations for sustainable development in Africa at the local level. It also begins to assess the scope for scaling up these innovations to make an impact on a larger scale. This particular case study focuses on an organisation called Microcare which was created out of a Community Health Financing Micro-Insurance initiative in Uganda.

AIG Uganda A Member of the American International Group of Companies

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The case study focuses and analyses the practices of AIG Uganda and their collaboration with FINCA Uganda. The authors identify the good and the bad of the practices and draw conclusions from them. This case study relates a success story, but it also relates a story of a product that has not seen a reasonable amount of evolution. This is partly due to a lack of pressure from the MFIs, and partly because AIG Uganda did not recognise the importance of microinsurance within its product mix.

The Financial Impact of Formal Health Insurance Schemes: Evidence from Uganda

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With only one licensed health insurer targeted at the informal segment, Uganda relies heavily on out-of-pocket payments for health care financing. Financial consequences are severe in the short and the long-term. Medical bills are larger than people’s ability-to-pay, one feels less financially secure and uses other (expensive) measures to cover health care expenses. Many households are forced to borrow from the community for which the long-term impact can be disastrous.

Uganda country diagnosis: Making insurance markets work for the poor: Microinsurance policy, regulation and supervision

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This document forms part of a larger cross-country study looking at the micro-insurance experience in Colombia, India, the Philippines, South Africa and Uganda in order to develop a set of guidelines that can assist developing countries in creating a facilitative regulatory environment for micro-insurance. The ultimate aim of this cross-country study is greater financial inclusion particularly for insurance products, and it is therefore important that an understanding of financial inclusion and its determinants forms the basis for the rest of the analysis.

Making insurance market work for the poor: the case of Uganda

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Access to insurance may be an important strategy for reducing poverty. Financial markets, and particularly insurance services, can help poor people manage critical risks such as death in the family, illness, or loss of income or property. Despite the growing importance and expansion of microinsurance services geared to low-income people, microinsurance penetration remains limited, leaving the vast majority of poor people without adequate protection.

Microinsurance in Uganda: Tectonic Shift In The Near Future?

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This note analyses the possible impact of regulatory and political changes on the microinsurance sector, and predicts the state of the sector in Uganda in near future. The predictions are based on the assumption that the Insurance Regulatory Authority (IRA) will be a strong regulator and national policies will be sincerely and effectively implemented. Though it is still speculative to pre-empt the market, the authors believe that conventional insurers, as well as microfinance players will soon be able to realise the strategic potential of microinsurance in their portfolio.

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