Now reading: Literature review on health microinsurance schemes

Microinsurance and Health Financing


Microinsurance refers to the provision of insurance to lower-income households. If appropriately designed and intermediated, insurance products can play an important role in reducing vulnerability for low-income households as well as presenting profitable markets for commercial insurance providers. In addition, ensuring well-functioning health financing systems is a critical element of development policy and the delivery of health services.

We’ve done extensive work on the regulation and development of microinsurance and health financing markets in Africa, Latin America and Asia.

The Latest in Microinsurance and Health Financing

Literature review on health microinsurance schemes
Most providers of health microinsurance have struggled to achieve sustainability without public or donor support, despite health insurance being one [...]
Managing risk whilst facilitating innovation: The case of mobile insurance in Tanzania
Mobile insurance (m-insurance) can play an important role in enhancing access to insurance, especially in regions where distribution and reach pose [...]
Credit life insurance in South Africa: the customer’s perspective
Credit life insurance may be the first type of insurance that many low-income consumers encounter. It can offer an opportunity for introducing [...]
Regaining momentum?
An update on microinsurance in South Africa. In 2011, a policy document entrenched and refined a proposed microinsurance regulatory framework for [...]
Mobile phones and microinsurance
Insurers are using mobile phones to address two main challenges facing the microinsurance sector: increasing efficiency and reaching scale. By [...]
Thinking big: Achieving scale for microinsurance schemes
Achieving scale is a significant success factor for microinsurance schemes, as low premiums with high costs require substantial volumes to make an [...]
Designing mobile microinsurance products
Increasingly, the mobile phone is being used throughout the microinsurance value chain to enable access to insurance for millions of people who [...]
Regulating for inclusive insurance markets in SADC
SADC faces high levels of exclusion in insurance. It is therefore appropriate for SADC supervisors to pursue inclusive insurance markets based on [...]
A demand-side perspective on hospital cash plans in South Africa
Hospital cash plans (HCPs) have emerged as an affordable risk cover for many low-income South Africans without access to medical aid. HCPs pay out a [...]
Review of the history and legislative landscape of the South African market for hospital cash plan insurance
Hospital cash plans (HCPs) have the potential to provide financial protection against health risks to low-income individuals that are unable to [...]