Community Health Insurance

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- BSNL’s Accident Insurance – Just a gimmick? -Looking at the tardy implementation of BSNL’s Accident Insurance scheme, doubts arise if it is all j
Community Health Insurance
- Articles
  - Micro-Insurance : Extending Health Insurance to the Excluded -By Social Security Department, ILO (Planning, Development and Standards Branch)
  - Ashwini Group Insurance Scheme -Objective of the insurance scheme is to break the financial barrier of the adivasi families. (doc)
  - Community Health Insurance – Some issues in Group formation : K.R Nayar (JNU) -Women members can play an effective role in mobilization and maintain solidarity. (pdf)
  - What is Microinsurance? – USAID -Short notes exploring exciting new expansion of access to financial services. (pdf)
  - India: An Inventory of Micro Insurance Schemes -Geneva, ILO, Strategies and Tools against social Exclusion and Poverty (STEP) Programme, 2005 (pdf)
  - Insurance Products Provided by Insurance Companies to the Disadvantaged Groups in India -The study was conducted under the aegis of the ILOs STEP programme. (pdf)
  - Health Financing : Protecting the Poor -Paper presented at the IAPSM conference at PGI, Chandigarh, March 2004 (pdf)
  - Community Insurance for Health Background, Initiatives etc : -India has one of the highest proportions of private health financing, almost 82%. (pdf)
  - Does community health insurance increase access to health care for the poor? : Sep 2005 -Indian Evidences are taken for the analysis. (pdf)
  - Protecting against catastrophic health expenditure : Sep 2005 -The role of community health insurance in India. (pdf)
  - Community health insurance can we learn from them? : April 28, 2006
  - Comprehensive Accident & Health Insurance Scheme for BPL Families -Launched by Govt. of Kerala
- CHI in Other Countries
  - Exploring the Perceptions of Ultra Poor for Low Utilization of Micro-health Insurance Schemes -Independent study report submitted in partial fulfillment for the degree of Masters of Public Health (doc)
  - Health Care Microinsurance – Case studies from Uganda, Tanzania, India and Cambodia -Community-based insurers have volunteer management requiring significant training. (doc)
  - Health Insurance for the Informal Sector in Africa -Design Features, Risk Protection, and Resource Mobilization (pdf)
  - Effectiveness of Community Health Financing in Meeting the Cost of Illness -Bulletin of the World Health Organization 2002. (pdf)
- CHI Schemes
  - Medical Aid Plan of Voluntary Health Services Chennai – by Dr. N. Devadasan, VHS Team -Voluntary Health Services (VHS) is an NGO for underprivileged in rural and slum areas. (pdf)
  - Women organizing for social protection – SEWA’s Integrated Insurance Scheme : 2001 -Several international declarations and conventions claim social protection as a universal right. (pdf)
  - Health Insurance for Informal Sector – Case Study of Gujarat : Sep 30, 2000 -This pilot study explores the availability of health insurance coverage for the poor. (pdf)
  - Mediclaim & GPA Policy For The Urban Poor : ICICI Lombard -On Urban Employment & Poverty Alleviation (pdf)
  - The feasibility of a Community Based Health Insurance (CBHI) at Wayanad, Kerala -80% of all outpatients and about 40-60% of all inpatients use the private health care facilities. (pdf)
  - Mutual insurance – Development of Humane Action (DHAN)’s Experience -Genesis and evolution of insurance in DHANs micro-finance programmes (pdf)
  - Community-Based Schemes – Ashwini Case Study 2005 by Saliya Kanathigoda -90 % of the whole population still do not benefit from any kind of social protection in India. (pdf)
  - Mitra Community Health Insurance Project : A Status Report as of 30th September 2006 (pdf)
  - Yeshasvini Trust, Karnataka : 2005 -A write up on the famous Yeshasvini scheme. (pdf)
  - Karuna Trust, Karnataka : 2005 -A write up on the Karuna Trust from CGAP (pdf)
  - Medical Aid Plan of Voluntary Health Services Chennai : 1972 -Provider based CHI scheme working in the rural areas, near Chennai. (pdf)
  - The Jawar Health Assurance Scheme : 1979 -This is a provider based CHI scheme protecting farmers in Wardha district of Maharashtra. (pdf)
  - The ACCORD AMS ASHWINI Health Insurance : Operational since 1992 -This is a provider based CHI scheme in Gudalur, Tamil Nadu. (pdf)
- Microfinance and CHI
  - Self Employed Women’s Association (SEWA) : Experience in Providing Micro-Insurance Services to Poor -Paper prepared for the Global Microcredit Summit 2006 (pdf)
  - Expanding Impact – Innovations in Cost-effectively Integrating Microfinance with Education in Health -The ultimate goal of microfinance is to contribute to human development of a country. (pdf)
  - Mutual Health Organizations and Micro-entrepreneurs Associations’ Guide : 2001 -The fundamental principles are of insurance, participation and solidarity. (pdf)
  - Micro-Finance in the new economy -Indias Experience -In India, microFinance scene is dominated by Self Help Groups (SHGs) – Banks linkage Programme. (doc)
  - Microfinance in India : An Overview -NABARD aims at facilitating sustained access to financial services for the unreached poor. (doc)
  - Impact Assessment of Microfinance in India : August 2003 -Interim findings from a national study of MFIs in India (pdf)
  - Grameen Foundation USA : Annual Report 2003 -Empowering the worlds poorest people to lift themselves out of poverty. (pdf)
- Newsletters
  - Micro-Health Insurance Update : Oct 2005 -Strengthening Micro-Health Insurance Units for the Poor in India. (pdf)
  - Community Health Insurance Network – January 2006 -Brief reports about national and international conferences as well as some relevant publications.
  - Community Health Insurance Network – March 2005 -IRDA workshop on “Regulation of micro-insurance schemes in India”.
  - Community Health Insurance Network – December 2004 -Report of the Conference on Health Insurance and Financing, New Delhi, 16-17 October 2004.
  - Community Health Insurance Network – September 2004 -Concepts of Community Health Insurance and some links to useful websites.
- Policy Papers
- Microinsurance Resource Center in India – Preliminary Inputs and Concept Notes -BearingPoint, Inc.’s initiated dialogues with several microinsurance stakeholders in the country. (doc)
- Community based Health Insurance Schemes in Developing Countries : January 2003 -Health financing via general taxation or via social health insurance are powerful methods. (doc)
- Position paper on Micro Health Insurance for the Poor in India : New Delhi, 7 June 2005 -Commercial health insurance is expensive and responds to the needs of middle class urban clients. (pdf)
- Guidelines for Market Research on the Demand for Microinsurance : June 2006 -The demand for microinsurance grows out of the risks and risk management strategies. (pdf)
- Insurance Regulatory & Development Authority (Micro-Insurance) Regulations 2005 -Any violation of code of conduct will lead to termination of job for the agents. (pdf)
- Role of Health Insurance and Community Financing in Funding Immunization -This paper was prepared for the Financing Task Force of the Global Alliance (pdf)
- Concept Paper on Need for Developing Micro-Insurance in India : August 18, 2004 -Objective and salient features of the proposed micro-insurance regulations inviting comments. (pdf)
Publications
- Community based Health Insurance Schemes in Developing Countries : by Guy Carrin : 2003 -Information on facts, problems and perspectives faced by developing countries. (pdf)
- Unmet Health Needs of Two Billion : Is Community Financing a Solution? : Sep 2001 -Many countries do not spend enough for health care of their rural residents and urban poor. (pdf)
Effective Micro-Insurance Programs to Reduce Vulnerability : by Richard Leftley and Shadreck Mapfumo -Any financial service to the poor must start with an understanding of client demand. (pdf)
Planning and Implementing Health Insurance Programmes in India : An Operational Guide : June 2006 -Capacity to design, implement and monitor a health insurance programme is currently limited in India (pdf)
Hedging The Health of The Poor : The Case for Community Financing in India -by Anil Gumber: Sep 2001 -The paper examines in detail the determinants of enrollment in the community-based financing scheme. (pdf)
Health Insurance for the Poor : Myths and Realities : Economic and Political Weekly Nov 4, 2006 -Most Indians are willing to pay 1.35 per cent of income or more for health insurance : (pdf)
Health Financing for Poor People : Resource Mobilization and Risk Sharing -Edited by Alexander S. Preker and Guy Carrin (pdf)
The landscape of community health insurance in India : An overview based on 10 case studies -More than 80% of health care expenditure is borne by individual households. (pdf)
Community Involvement in Health Care Financing by Melitta Jakab and Chitra Krishnan : Sep 2001 -A Survey of the Literature on the Impacts, Strengths, and Weaknesses (pdf)
An introduction to Health Insurance for Low Income Countries : Health Systems Resource Centre -Information on types of health insurance and comparison with other funding mechanisms (pdf)
Are the Poor Too Poor to Demand Health Insurance? : Journal of Microfinance -By Rajeev Ahuja and Johannes Jütting (pdf)
Community Health Insurance in India – An Overview -Economic and Political Weekly July 10, 2004 (pdf)
Health Care Financing for the Poor – Community-based Health Insurance Schemes in Gujarat -Economic and Political Weekly : Sep 17, 2005 (pdf)
Social Re-insurance
- Pro-Poor Health Insurance in the Informal Economy – Mission and vision -The major activity planned is to operate a reinsurance plan, called Social Re. (doc)
- Social Reinsurance : A New Approach to Sustainable Community – Health Financing -Rich-Poor Differences in Health Care Financing (pdf)
- Sources of Financial Instability of Community-Based Health Insurance Schemes -On How Could Social Reinsurance Help. (pdf)
- Social reinsurance – A new approach to sustainable community health financing -Idea is to enhance existing community institutions to organise access to basic health care. (pdf)
Working Papers
- Health, Nutrition and Population (HNP) Discussion -Assessing the Reach of Three SEWA Health Services among the poor (pdf)
- Health Insurance For The Poor In India : An Analytical Study : June 2005 -By Rajeev Ahuja (pdf)
Health
- Articles
- Policy Papers
- Record of consultation on NRHM Feb 2005
Health Financing
- Publications
  - An Examination of the Relationship Between Health and Economic Growth : Sep 2006 -Good health is an asset that allows poor households to emerge from poverty. (pdf)
  - Role of Contracting in Improving Health Systems Performance : 2004 -People’s health has improved considerably in the course of the twentieth century. (pdf)
  - Medical Savings Accounts: Lessons Learned from Limited International Experience : 2002 -MSAs create proper incentives for wise health care purchasing decisions. (pdf)
  - Clarifying efficiency-equity tradeoffs through explicit criteria : 2004 -Prioritization in health interventions can be rationalised by use of clearly defined criteria. (pdf)
Understanding Cost Effectiveness: A Detailed Review -An examination and review of the basic principles of one of the more widely employed forms. (pdf)
Consumer-led Demand Side Financing for Health and Education : An International Review – May 2003 -Supply subsidies for health & education services often fail to reach most vulnerable in a community. (pdf)
Generalized Cost-effectiveness Analysis – An Aid to Decision Making in Health -There is ample evidence of existing inefficiencies in health everywhere. (pdf)
Health Insurance
- Articles
- Health Insurance Scenario in India : by Peter Berman & Rajeev Ahuja : 2005 -Health Insurance in India covers cross section of population. (pdf)
Cashless transaction and receivables management – by Dr Biswendu Bardhan & Dr Aanshu Sharma -In few hospitals the outstanding bill from cashless transaction has crossed crore of rupees.
Third Party Administrators – Theory and practice : July 10, 2004 -This paper attempts to understand the role of TPAs.
Publications
How Adverse Selection Affects the Health Insurance Market -Insurance companies anticipate this purchasing behavior and devise contract offers. (pdf)
Access to Financing: A Constraint to Private Health-Sector Development -Is access to finance a constraint to the development of the private health sector? (pdf)
Assessing Private Health Insurance in India – Potential Impacts and Regulatory Issues -Economic and Political Weekly : Feb 9, 2002 (pdf)
Meetings / Events / Workshops / Conferences
- India
  - Mumbai
    - Microinsurance Conference 2007 – Nov. 13 -15 : General Information and Details -This event is the third international Microinsurance Conference
    - 1315 November 2007 : Microinsurance Conference 2007 : Call for Session Proposals
    - Insurance Summit 2007: “Insurance Industry Looking into the Kaleidoscope” -on 18th January, 2007 at Taj President, Mumbai (pdf)
Social Health Insurance
- Articles
  - Social Security for Unorganized Workers in Karnataka -A large proportion of these workers is poor, illiterate, vulnerable and isolated. (pdf)
- Policy Papers
  - Reaching universal coverage via social health insurance : 2004 -Key design features in the transition period. (pdf)
- Sustainable Health Financing, Universal Coverage and Social Health Insurance : April 2005 -The transition to universal coverage may take several years, even several decades. (pdf)
- Sustainable health financing, universal coverage and social health insurance : May 2005 -Some countries have recently been recipients of large inflows of external funding for health. (pdf)