MILK Brief #8: Doing the Math - Cashless Funeral Microinsurance in Colombia

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In September 2011, MILK partnered with MAPFRE Colombia in Bogota to study how policyholders and non-policyholders of MAPFRE’s CODENSA "Seguro Exequial" funeral insurance policy cope financially with the death of a family member. The MILK’s Client Math methodology was implemented to better understand the financial tools available to and used by those with and without insurance, and to conduct a quantitative assessment of the plausible gains of having insurance.

Are Existing Health Financing Mechanisms: Sufficient for Poor Women in Guatemala?

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This discussion note examines the health financing alternatives available to poor women in Gautemala and develops a hypothesis of the value that microinsurance might have for poor women. This hypothesis will be tested once Aseguradora Rural launches a new product aimed at covering women’s health needs and marketed to savings clients of BanRural in the last quarter of 2011.

What is a health card worth? An evaluation of an outpatient health insurance product in rural India

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In 2009, a pilot project was implemented by CARE Foundation in which low-skilled resident Community Health Workers (CHW) were trained and deployed in 50 villages in Yavatmal in Maharashtra, India, to offer first-level primary and preventive care consultations. The CHWs either made referrals to a doctor in a nearby town, or prescribed another course of action.

Value-added service in health microinsurance

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A number of health microinsurance (HMI) practitioners, primarily in the Indian subcontinent, have begun to experiment with offering value-added services (VAS), services provided by HMI schemes to enhance the appeal of a basic health insurance product to low-income families. This research paper explores what value-services can be added to HMI to increase sales and achieve an improved claims experience, adequate enough to offset the incremental costs of the VAS.

Understanding and Information Failures in Insurance: Evidence from India

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This paper is an attempt to understand the factors behind low contract renewal rates frequently observed in insurance programs in poor countries. This is done on the basis of the experience of a microinsurance health program in India. We show that deficient information about the insurance product and the functioning of the scheme, and poor understanding of the insurance concept, are the major causes of the low contract renewal rate among households which had previously enrolled into the program.

The impact of health insurance education on enrolment of microfinance institution clients in the Ghana national health insurance scheme, northern region of Ghana

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Despite the fact that national health insurance has been available in Ghana since 2003, the coverage is far from universal, especially in rural areas. This study published by ILO's Microinsurance Innovation Facility evaluates a consumer education intervention for microfinance clients by Freedom from Hunger and Sinapi Aba Trust, designed to increase awareness, knowledge and eventually take-up rates of the National Health Insurance Scheme (NHIS).

MILK Brief #20: ‘Doing the Math’: Loan Protection Insurance in Cambodia

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Can credit life microinsurance provide value to clients?  In its 20th Client Math study, MicroInsurance Centre’s Microinsurance Learning and Knowledge (MILK) partnered with the Cambodian microinsurance provider MEADA to explore the value of a life microinsurance product that combines loan protection with a small cash payout in the even of a microcredit borrower's death.

MILK Brief #22:“Doing the Math” – Outpatient Health Insurance in Tanzania

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Outpatient Health Insurance in Tanzania, the MILK project’s Client MATH team explores the value that Tanzania’s KNCU Health Plan offers its clients. The KNCU Health Plan is a collaborative effort of the multi-national microinsurance intermediary MicroEnsure, the Dutch NGO PharmAccess, and the Kilimanjaro Native Cooperative Union.

Microfund for Women’s Caregiver Experience: Lessons from Jordan on Health Microinsurance

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In 2010, Jordan’s Microfund for Women (MFW) piloted “Caregiver,” the country’s first private health microinsurance offering, in partnership with Women’s World Banking (WWB). The Caregiver product has succeeded beyond expectations despite numerous obstacles. Research has shown that healthcare costs often exert the most financial pressure on poor families.

Ghana: social insurance schemes and bundled-payment rates

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Many governments in developing countries are in the process of trying to expand social insurance schemes for rapidly growing populations, making the process of systematising diagnosis-related groups (DRGs) all the more critical. Milliman recently worked with Ghana’s National Health Insurance Authority (NHIA) to conduct an assessment of the country’s DRG system by reviewing the existing tariffs and recommending new tariffs where appropriate.

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