Leveraging Health Microinsurance to Promote Universal Health Coverage

From the Executive Summary: "A major barrier to provide social health protection in many low and middle-income countries is reaching informal workers and their families. Governments struggle to identify individuals, enrol them and collect premiums. These are functions that HMI [Health Microinsurance] providers are well positioned to manage. However, HMI schemes have difficulties in achieving scale and accessing sufficient resources. Governments are better positioned in both respects. These complementary assets open opportunities for collaboration.
This paper reviews country experiences in Cambodia, Ghana, India, Kenya, Thailand, Tanzania and the Philippines. It examines the hypothesis that government-sponsored insurance initiatives should collaborate with private actors to accelerate the expansion of health insurance to informal workers and their families."