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Implementing a Participatory Model of Micro Health Insurance among Rural Poor with Evidence from Nepal

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  • David M Dror

    (1] Micro Insurance Academy, 52B Okhla Industrial Estate, Phase-3, New Delhi 110020, India[2] Erasmus University Rotterdam, Institute of Health Policy and Management, P.O. Box 1738, 3000 DR Rotterdam, The Netherlands.)

  • Atanu Majumdar

    (Micro Insurance Academy, 52B Okhla Industrial Estate, Phase-3, New Delhi 110020, India)

  • Pradeep Panda

    (Micro Insurance Academy, 52B Okhla Industrial Estate, Phase-3, New Delhi 110020, India)

  • Denny John

    (Micro Insurance Academy, 52B Okhla Industrial Estate, Phase-3, New Delhi 110020, India)

  • Ruth Koren

    (Tel Aviv University, Felsenstein Medical Research Center, Sackler Faculty of Medicine, Ramat Aviv, Tel Aviv, Israel)

Abstract

This paper reports on two voluntary, contributory, contextualised, community-based health insurance (CBHI) schemes, launched in Dhading and Banke (Nepal) in 2011. The implementation followed a four-stage process: initiating (baseline survey), involving (awareness generation and engaging community in benefit-package-design), launch (enrolment and training of selected community members) and post-launch (viable claims ratio, settled within satisfactory time, sustainable affiliation). Both schemes were successful on four key parameters: effective planning; affiliation (grew from 0 to ~10,000) and renewals (>65 per cent); claims ratio (~50 per cent); and promptness of claim settlement (~23 days). This model succeeded in implementing CBHI with zero premium subsidies or subsidised health-care costs. The successful operation relied in large part on the fact that members trust that they can enforce this contract. Considerable insurance education and capacity development is necessary before the launch of the CBHI, and for sustainable operations as well as for scaling.

Suggested Citation

  • David M Dror & Atanu Majumdar & Pradeep Panda & Denny John & Ruth Koren, 2014. "Implementing a Participatory Model of Micro Health Insurance among Rural Poor with Evidence from Nepal," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 39(2), pages 280-303, April.
    • Handle: RePEc:pal:gpprii:v:39:y:2014:i:2:p:280-303
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    Cited by:

    1. Kunwar, Samrat B. & Bohara, Alok K. & Thacher, Jennifer, 2020. "Public preference for river restoration in the Danda Basin, Nepal: A choice experiment study," Ecological Economics, Elsevier, vol. 175(C).

    More about this item

    JEL classification:

    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I15 - Health, Education, and Welfare - - Health - - - Health and Economic Development

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