The present project i.e. “Developing efficient and responsive community-based micro health insurance in India” has been started taking this strategic aspect into consideration. .The main objective of the project is to benefit the lives of the target population of Mahua sub-division i.e. Vaishali district in Bihar, in terms of equitable healthcare access and financial protection for several years,
By combining the rollout of new showcase micro insurance units (MIUs) and an unprecedented emphasis on scientifically rigorous evaluation of their impact on the lives of the target population in terms of equitable healthcare access and financial protection over several years, this project seeks to build a solid and comprehensive knowledge base for micro health insurance initiatives.
Implementation and Research - the two pillars of this project - will progress side by side in this 5-year project starting from the year 2009.
On the implementation side, the MIA will support Nidan to establish Community-Based Health Insurance (CBHI) schemes in 09 Panchayats of Mahua Block of Vaishali Discrict in Bihar as our target intervention area. The CBHI schemes to be implemented will be based on MIA's innovative micro insurance model, stressing inclusiveness (en-bloc affiliation against adverse selection, collaborative design of the package and community-rating mechanisms), sustainability (self-administration of the scheme) and solidarity (social-capital as a response to moral hazard and other market/insurance failures).
In a parallel effort, a continuous assessment of CBHIs' impact on the target population will be undertaken, testing the scalability and reach of the model across diverse socio-economic local patterns. Through the use of diverse methodologies (quantitative, qualitative, field observation, economic experiments, spatial data and structured data on the costs of economic implementation) the consortium will assess various dimensions of impact of the schemes as well as enhance the understanding of increasing efficiency of implementation. Some of the main questions that will be explored include whether being affiliated to an MIU-Micro Insurance Unit improves access to healthcare and what impact on health-related financial exposure does this insurance have, due to a reduction of out-of-pocket healthcare spending among low-income rural households.
The balanced mix of skills and perspectives represented in the consortium is set to be uniquely far-reaching. Beyond answering the sectoral need for scientifically more rigorous theoretical frameworks, the project aims at offering precious policy-relevant insights into micro community-based insurance.
The findings will hopefully enable to understand cause-effect relations between insurance status and healthcare-seeking behaviors, health status and financial exposure due to catastrophic events, the impact of micro insurance on the local healthcare supply and many other areas of crucial medical and socio-economic relevance.
Funding Partners-:
The Micro Insurance Academy –MIA, uses a unique approach to meet the challenge of healthcare access by the poor. We believe that there is strength in numbers both at the community and partner levels and we strive to harness this collective power. Our partners include organizations of all sizes whose commitment to sustainable healthcare reflects our own. Whether you're a microfinance institution (MFI), an NGO, a corporation serious about social responsibility, a university / research institute, or a government agency concerned with making insurance work for the poor, we would be interested in exploring a win-win partnership. MIA, emphasizes working on this model with Nidan as follows-:Community-based / Mutual Model: The policyholders or clients are in charge, managing and owning the operations, and working with external healthcare providers to offer services. This model is advantageous for its ability to design and market products more easily and effectively, and by its ability to use incentive structures to reduce moral hazard and adverse selection. Yet it is disadvantaged by its small size and scope of operations, and should have access to reinsurance to ensure sustained operations over the long term.
Technical Partners :
The Advisory Board is composed of world-class experts in the fields of healthcare, microinsurance and development and was represented at the meeting by Prof. Rainer Sauerborn, Prof Ruth Koren, Prof. Jacky Mathonnat, Dr. Michael Kent Ranson and Dr. Hengjin Dong. The Advisory Board members met for two days, followed by two days of discussion and planning by the the consortium's Steering Committee, counting as its members the Micro Insurance Academy staff and representatives from the two partner European universities (Erasmus University Rotterdam and University of Cologne) and the local partner NGOs Nidan .
|
CBHI INTERVENTION REVENUE VILLAGE PROFILE OF MAHUA BLOCK
|
|
Panchayat
|
S.NO
|
Revenue Villages
|
TOTAL
H.H
|
Population Covered
|
|
|
|
M
|
F
|
TOTAL
|
|
Sherpur Chatwara
|
1
|
Madhopur Nijhama.
|
134
|
481
|
425
|
906
|
|
|
2
|
Chhatwara Kapoor.
|
188
|
804
|
721
|
1525
|
|
|
3
|
Chakshikh Nizam.
|
111
|
379
|
385
|
764
|
|
|
4
|
Chhatwara Raibahan.
|
273
|
1004
|
828
|
1832
|
|
|
5
|
Sherpur Chhatwara.
|
320
|
1093
|
985
|
2078
|
|
|
6
|
Chhatwara Khaspatti.
|
196
|
717
|
556
|
1273
|
|
TOTAL
|
1222
|
4478
|
3900
|
8378
|
|
|
|
Panchayat
|
|
Revenue Villages
|
TOTAL
H.H
|
Population Covered
|
|
|
|
M
|
F
|
TOTAL
|
|
FULWARIYA
|
1
|
Fulwariya
|
540
|
1896
|
1679
|
3575
|
|
|
2
|
Hidyadpur.
|
134
|
579
|
512
|
1091
|
|
|
3
|
Chakajinijam.
|
313
|
1090
|
1211
|
2301
|
|
|
4
|
Kadhania.
|
245
|
808
|
734
|
1542
|
|
TOTAL
|
1232
|
4373
|
3402
|
7775
|
|
|
|
Panchayat
|
|
Revenue Villages
|
TOTAL
H.H
|
Population Covered
|
|
|
|
M
|
F
|
TOTAL
|
|
Hasanpur Osti.
|
1
|
Hasanpur Osti.
|
606
|
2138
|
1818
|
3956
|
|
|
2
|
Rusulpur Osti.
|
231
|
684
|
643
|
1327
|
|
|
3
|
Harpur Osti.
|
343
|
1248
|
1169
|
2417
|
|
|
4
|
Parsauniya.
|
321
|
1074
|
971
|
2045
|
|
TOTAL
|
1501
|
5144
|
4601
|
9745
|
|
|
|
|
|
|
|
|
|
Panchayat
|
|
Revenue Villages
|
TOTAL
H.H
|
Population Covered
|
|
|
|
M
|
F
|
TOTAL
|
|
Mirjanagar.
|
1
|
Daudpur.
|
59
|
219
|
168
|
387
|
|
|
2
|
Mirjanagar.
|
1202
|
4174
|
3631
|
7805
|
|
|
3
|
Paharpur.
|
123
|
414
|
384
|
798
|
|
TOTAL
|
1384
|
4807
|
4183
|
8990
|
|
|
|
|
|
|
|
|
|
|
|
Panchayat
|
|
Revenue Villages
|
TOTAL
H.H
|
Population Covered
|
|
|
|
M
|
F
|
TOTAL
|
|
Gauspur Chakmajahid
|
1
|
Gaddopur
|
239
|
888
|
782
|
1670
|
|
|
2
|
Chakmilkani
|
19
|
67
|
63
|
130
|
|
|
3
|
Muradpur
|
117
|
416
|
356
|
772
|
|
|
4
|
Kadilpur
|
270
|
1036
|
864
|
1900
|
|
|
5
|
Suratpur
|
117
|
369
|
299
|
668
|
|
|
6
|
Gauspur Chakmajahid
|
468
|
1708
|
1481
|
3189
|
|
|
7
|
Sankarpur
|
212
|
836
|
654
|
1490
|
|
TOTAL
|
1442
|
5320
|
4499
|
9819
|
|
|
|
Panchayat
|
|
Revenue Villages
|
TOTAL
H.H
|
Population Covered
|
|
|
|
M
|
F
|
TOTAL
|
|
Bishanpur Hiraram
|
1
|
Paharpur.
|
658
|
2028
|
1834
|
3862
|
|
|
2
|
Gorigama
|
405
|
1565
|
1309
|
2874
|
|
|
3
|
Garjaul
|
371
|
1243
|
1140
|
2383
|
|
|
4
|
Biranchak
|
59
|
170
|
158
|
328
|
|
TOTAL
|
1493
|
5006
|
4441
|
9447
|
|
|
|
Panchayat
|
|
Revenue Villages
|
TOTAL
H.H
|
Population Covered
|
|
|
|
M
|
F
|
TOTAL
|
|
Mahua Singhrai
|
1
|
Mahua Singhrai
|
1538
|
5359
|
4754
|
10113
|
|
|
2
|
Trilok Chak
|
39
|
139
|
110
|
249
|
|
TOTAL
|
1577
|
5498
|
4864
|
10362
|
|
|
|
|
|
|
|
|
|
|
|
Panchayat
|
|
Revenue Villages
|
TOTAL
H.H
|
Population Covered
|
|
|
|
M
|
F
|
TOTAL
|
|
Mahua Mukundpur
|
1
|
Sadapur Mahua
|
510
|
1761
|
1588
|
3859
|
|
|
2
|
|
|
