Social Reinsurance: Pro-Poor Health Insurance in the Informal Economy - Mission and Vision
Dror, D.M.
Publication Date: 2003
Published by: ILO (International Labor Organization)--Social Finance Unit
Document Type: Paper
Establishing sustainable and marketplace-like solutions to poverty-alleviation through reinsurance of community-financed health insurance
Paper describes how excluded poor, rural and informal workers associate in community level Micro health Insurance Units (MIUs) to provide some financial protection and they:- can encourage the rural and low-income populations to raise more resources for healthcare than would otherwise have been possible
- can and do improve people's access to drugs and primary care & hospital care where it is not offered by the national scheme by directing the additional resources to healthcare
- are exposed to risks of insolvency, due to small group size, underfunding, low technical and managerial skills and no access to risk management infrastructure
Report proposes to operate a reinsurance plan - Social Re - specifically designed to guarantee the solvency of MIUs, and thus enlarge the offer of viable health insurance for the poor and the informal economy:- to attract clients, MIUs must guarantee to remain solvent
- they must cede risks to reinsurance yet MIUs have no access to reinsurance
- Social Re in the first known attempt to professionalize the role of MIUs as first-line insurers, and to provide them with reinsurance that commercial reinsurers will not offer
Report details extra activities, deatures and indicators of the Social Re project.
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