Delivering Health Microinsurance through Savings and Internal Lending Communities: An Evaluation of CRS' Experience in Benin
In Benin, the average household spends more than 40% of its total budget on out-of-pocket health expenses each year.
Catholic Relief Services and partners piloted a health microinsurance product and delivered it through savings groups in Benin. We introduced a digital solution to improve efficiency and scalability. This document evaluates the project's ability to increase access to health services among rural households.
From the executive summary
In Benin, the average household spends over 40% of its total budget on out-of-pocket health expenses annually. Health costs disproportionately affect poor households as they face a higher burden of disease, which leads to higher health costs and a risk of increased impoverishment from "health shocks" or "crises presented by a healthcare need that jeopardizes the already fragile economic status of the poor" (Leatherman et al., 2012).
To support poor households in managing these costs, CRS, an international NGO founded by the U.S. Conference of Catholic Bishops; NSIA Assurances, a private health insurance company; and Caritas Natitingou, a faith-based development organization; piloted a health microinsurance (HMI) product delivered through savings and lending groups in northern Benin.
The HMI product covers health services including consultations, pharmaceutical products and medicines, local hospitalization, simple births, and small surgeries at two private, Catholic health centers in the area of intervention. The product also features a life insurance component.
From the product’s launch in March 2012 through December 2014, the number of persons covered has nearly doubled from 715 to over 1,300. In November 2013, CRS introduced a virtual information and communications technology (ICT) solution to improve the efficiency of the HMI management system to prepare for an expansion of the project to other regions of Benin.
|1.1 Literature Review||8|
|1.2 Evaluation Context||9|
|1.3 Research Objectives||11|
|2. Research Findings||13|
|2.1 Survey Findings||13|
|2.2 Discussion of Survey Results||18|
|2.3 Focus Groups with SILC Members||19|
|2.4 Interviews with Key Stakeholders||22|
|2.5 ICT Solution||28|
|2.6 Competitive Analysis||30|
|2.7 Financial Analysis and Projections
|3.1 Improve Marketing and Messaging Strategies||36|
|3.2 Review Product Design||37|
|3.3 Strengthen Partnerships||37|
|3.4 Refine ICT Solution||39|
|4. Lessons Learned||39
|Appendix A: References||41|
|Appendix B: NSIA's Health Microinsurance Terms and Conditions||43|
|Appendix C: Detailed Timeline||44|
|Appendix D: ICT4D E-system||45|
|Appendix E: List of SILC Groups||46|
|Appendix F: List of Key Stakeholders||47|
|Appendix G: Stata Output||48|
|Appendix H: Description of ICT Expertise Needed||51|
|Appendix I: Product, Access, Cost, Experience (PACE) Analysis||52|
|Appendix J: Financial Analysis||57|
Author: Angie Tyler
Publisher: Catholic Relief Services (March 2015)
Evaluation: 60 pages
Dimensions: 8.5 x 11 inches
Posted on April 20, 2015