Cirm presentation impact evaluation of health microinsurance

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India is characterized by modest health indicators, a paucity of medical financing schemes that have reached scale, high per capita out-of-pocket health expenditure, and very low public health spending on low-income citizens. The lack of financing options especially when the population is facing a double burden of disease (frequent communicable and catastrophic lifestyle diseases) leads to poor health outcomes and to poverty traps. Hence, optimal public health financing is important for improving national health outcomes and reducing vulnerability.

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The Indian health scenario is fairly complex and challenging with successful reductions in fertility and mortality offset by a significant and growing communicable as well noncommunicable disease burden, persistently high levels of child under-nutrition, increasing polarisation in the health status of the rich and the poor and inadequate primary health care coexisting with burgeoning medical tourism. This situation is further complicated by the presence and practice of multiple systems of medicine and medical practitioners (several of whom are not formally certified and recognised) and very limited regulation. In this context, this paper highlights the challenges in financing health in India and examines the role of health insurance in addressing these. It proposes a workable model for developing sustainable health insurance models under the National Rural Health Mission, responding to the contextual needs of different states.

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The case study highlights the scheme Kagad Kach Patra Kashtkari Panchayat (Waste Pickers. Union) health insurance scheme which proved to be a step in the right direction to a social security measure by the State for the workers of the unorganized sector in the country who are exposed to health risks due to their occupation. The study was documented by Centre for Insurance and Risk Management on behalf of the International Labour Organisation (ILO) as an example of a 'best practice' in the sector for micro health insurance in India . The study involved informal meetings, formal interviews and other form of interactions with all the stakeholders involved with the insurance programme. The case study tries to bring out the uniqueness of the scheme, the rationale behind its genesis, the practical constraints faced by each stakeholder and also the needs of the beneficiaries. The case study has also tried to capture the overarching vision of the trade union of the waste pickers in making their views heard to the Government and civic authorities in their constant endeavour to lead their lives in dignity and self respect.

Kagad kach patra kashtkari panchayat health insurance scheme

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Grameen Koota (GK) operates as a division of the Grameen Financial Sevices. Pvt. Ltd. (GFSPL), a Non Banking Financial Company (NBFC) based out of Bangalore, India, offering microfinance services to the poor using the Grameen model. Over the years, Grameen Koota (GK) has moved beyond microcredit lending to offer insurance services to its clients. This paper documents its journey in health microinsurance and draws learnings from its experience.

Health microinsurance experience of grameen koota

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This paper discusses how the failure of the public and the private healthcare systems has affected the poor. It also tries to explore the possibility of a financial mechanism like insurance and how it can bring about (from experiences drawn from other countries) the much needed health systems reform. This overall theme is known as the Health ecosystem Concept. This concept visualizes public health system beyond the realm of preventive/promotive care and explores newer avenues for Public-Private Partnership for curative care. In this document, insurance is visualized as not only paying for the curative care of the community but also tries to overcome the systemic errors in the current set up by improving infrastructure, providing incentives for man power and bringing about overall accountability into the system. It also suggests the use of technology to integrate and bring about efficiency in the entire health system and generate essential data in the process for evidence based action.

Health ecosystem achieving impact in community health through public private ...

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Government run crop yield insurance scheme, procurement at minimum support prices and calamity relief funds are the major instruments being used to protect the Indian farmer from agricultural variability. However, crop insurance covers only about 10% of sown area and suffers from an adverse claims to premium. There are problems with both the design and delivery of crop insurance schemes. These problems could be overcome with rainfall insurance with a well developed rainfall measurement infrastructure. Private and public insurers are currently experimenting with rainfall insurance products. Given the current levels of yield and rainfall variability the actuarially fair premium rates are likely to be high and in many cases unattractive or unaffordable. Instead of adopting the easy and unsustainable route of large subsidies, in the long term the government should consider risk mitigation through improvements in the irrigation and water management infrastructure.

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This chapter therefore analyses the role of weather derivatives in mitigating the weather risks the Indian economy is exposed to. Potential prominent players and market projections are also estimated. With the Indian regulators on the verge of authorising weather derivative trading in the exchanges at the time of writing, the country is on the way to developing, deepening and strengthening its weather risk management framework.

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The FAO Fisheries and Aquaculture Department decided to carry out this world review in recognition of the opportunities fisheries insurance services can offer to the sustainable development of capture fisheries in the developing countries. The review covers the following regions and countries: Asia (China, Japan, India), Africa (Mauritania, Morocco, Namibia, South Africa, ), Europe, the Russian Federation, the United States of America, South America (Peru, Chile) and Oceania (New Zealand, Australia).

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