Micro-insurance: Extending Health Insurance to the Excluded

This 19-page paper proposes a way to improve health provisions for populations who are often excluded from access to health services. First examining who the excluded are and what they are excluded from, the paper reviews some of the major policy statements elaborated at the international level and then suggests what is missing.

Using pilot cases based on field testing and analysis, the paper proposes a concept for group-based health insurance, or “micro-insurance”, and explains its rationale and components. In conclusion, the paper proposes a strategy to implement this concept.