Health Insurance for the Informal Sector in Africa : Design Features, Risk Protection, and Resource Mobilization
Studies and literature reviews of health insurance schemes targeting rural or informal sector populations in developing countries (often called "community insurance schemes") frequently conclude that schemes have design weaknesses, yet do not explore in detail the effect of design features on performance. This paper presents a conceptualization of how performance in the areas of risk protection and resource mobilization is determined by the interaction of design features with institutional and technical factors. Design features refer to scheme specifications (e.g., required contribution) and to operating modalities (e.g., procedures for enrolment or obtaining benefits. Performance, with respect to risk protection and resource mobilization, of several potential "high population schemes" for the informal sector in Africa, is assessed. The outcome suggests that the design of community health insurance schemes may be improved by: (1) design specifications that utilize data on willingness to pay (WTP) of the target population and projected health care costs; and (2) incorporating modalities of operations that facilitate cost-effective exchange between a formal organization and individuals acting in an informal environment.
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dig-okr-10986136432021-04-23T14:03:09Z Health Insurance for the Informal Sector in Africa : Design Features, Risk Protection, and Resource Mobilization Arhin-Tenkorang, Dyna ASSURANCE BREASTFEEDING BUDGET CONSTRAINTS CENTRAL GOVERNMENT COMMUNICABLE DISEASES COMMUNITY HEALTH COMMUNITY INSURANCE COMMUNITY PARTICIPATION CONCEPTUAL FRAMEWORK CONSUMER PROTECTION CONTRIBUTIONS COST RECOVERY COVERAGE DEBT ECONOMIC DEVELOPMENT EMPIRICAL EVIDENCE EMPLOYMENT EXPENDITURES FINANCIAL RESOURCES FINANCIAL RISK GNP HEALTH CARE HEALTH CARE COSTS HEALTH CARE FINANCING HEALTH CARE PROVISION HEALTH FINANCING HEALTH INSURANCE HEALTH OUTCOMES HEALTH PROMOTION HEALTH PROVIDERS HEALTH SECTOR HEALTH SERVICES HEALTH STATUS HEALTH WORKERS HUMAN DEVELOPMENT HYGIENE IMMUNITY INCOME INCOME GROUPS INCOME LEVELS INFORMAL SECTOR INSTITUTIONALIZATION INSURANCE INSURANCE INSURANCE COVERAGE INSURANCE FUNDS INSURANCE POLICIES ISOLATION LAWS LEGISLATION LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MALARIA MANAGERS MARKETING MOTIVATION MUTUAL AID NUTRITION PARTNERSHIP PATIENTS POLICY ENVIRONMENT POVERTY ALLEVIATION PREMIUMS PRIMARY HEALTH CARE PRODUCTIVITY PROGNOSIS PROGRAMS PUBLIC GOODS PUBLIC SECTOR RATES REINSURANCE RESOURCE ALLOCATION RISK RISK MANAGEMENT RISK SHARING RURAL COMMUNITIES SOCIAL WELFARE SUSTAINABILITY TAXATION WILLINGNESS TO PAY WTP HEALTH SYSTEMS DEVELOPMENT & REFORM INFORMAL SECTOR HEALTH INSURANCE LOW-INCOME COUNTRIES COMMUNITY HEALTH HEALTH FINANCE FINANCIAL RISK RESOURCE MOBILIZATION Studies and literature reviews of health insurance schemes targeting rural or informal sector populations in developing countries (often called "community insurance schemes") frequently conclude that schemes have design weaknesses, yet do not explore in detail the effect of design features on performance. This paper presents a conceptualization of how performance in the areas of risk protection and resource mobilization is determined by the interaction of design features with institutional and technical factors. Design features refer to scheme specifications (e.g., required contribution) and to operating modalities (e.g., procedures for enrolment or obtaining benefits. Performance, with respect to risk protection and resource mobilization, of several potential "high population schemes" for the informal sector in Africa, is assessed. The outcome suggests that the design of community health insurance schemes may be improved by: (1) design specifications that utilize data on willingness to pay (WTP) of the target population and projected health care costs; and (2) incorporating modalities of operations that facilitate cost-effective exchange between a formal organization and individuals acting in an informal environment. 2013-05-29T18:20:31Z 2013-05-29T18:20:31Z 2001-09 http://documents.worldbank.org/curated/en/2001/09/3356190/health-insurance-informal-sector-africa-design-features-risk-protection-resource-mobilization http://hdl.handle.net/10986/13643 English en_US HNP discussion paper series; CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research :: Working Paper Publications & Research Africa Africa |
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Banco Mundial |
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Estados Unidos |
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US |
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Bibliográfico |
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biblioteca |
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America del Norte |
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Biblioteca del Banco Mundial |
| language |
English en_US |
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ASSURANCE BREASTFEEDING BUDGET CONSTRAINTS CENTRAL GOVERNMENT COMMUNICABLE DISEASES COMMUNITY HEALTH COMMUNITY INSURANCE COMMUNITY PARTICIPATION CONCEPTUAL FRAMEWORK CONSUMER PROTECTION CONTRIBUTIONS COST RECOVERY COVERAGE DEBT ECONOMIC DEVELOPMENT EMPIRICAL EVIDENCE EMPLOYMENT EXPENDITURES FINANCIAL RESOURCES FINANCIAL RISK GNP HEALTH CARE HEALTH CARE COSTS HEALTH CARE FINANCING HEALTH CARE PROVISION HEALTH FINANCING HEALTH INSURANCE HEALTH OUTCOMES HEALTH PROMOTION HEALTH PROVIDERS HEALTH SECTOR HEALTH SERVICES HEALTH STATUS HEALTH WORKERS HUMAN DEVELOPMENT HYGIENE IMMUNITY INCOME INCOME GROUPS INCOME LEVELS INFORMAL SECTOR INSTITUTIONALIZATION INSURANCE INSURANCE INSURANCE COVERAGE INSURANCE FUNDS INSURANCE POLICIES ISOLATION LAWS LEGISLATION LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MALARIA MANAGERS MARKETING MOTIVATION MUTUAL AID NUTRITION PARTNERSHIP PATIENTS POLICY ENVIRONMENT POVERTY ALLEVIATION PREMIUMS PRIMARY HEALTH CARE PRODUCTIVITY PROGNOSIS PROGRAMS PUBLIC GOODS PUBLIC SECTOR RATES REINSURANCE RESOURCE ALLOCATION RISK RISK MANAGEMENT RISK SHARING RURAL COMMUNITIES SOCIAL WELFARE SUSTAINABILITY TAXATION WILLINGNESS TO PAY WTP HEALTH SYSTEMS DEVELOPMENT & REFORM INFORMAL SECTOR HEALTH INSURANCE LOW-INCOME COUNTRIES COMMUNITY HEALTH HEALTH FINANCE FINANCIAL RISK RESOURCE MOBILIZATION ASSURANCE BREASTFEEDING BUDGET CONSTRAINTS CENTRAL GOVERNMENT COMMUNICABLE DISEASES COMMUNITY HEALTH COMMUNITY INSURANCE COMMUNITY PARTICIPATION CONCEPTUAL FRAMEWORK CONSUMER PROTECTION CONTRIBUTIONS COST RECOVERY COVERAGE DEBT ECONOMIC DEVELOPMENT EMPIRICAL EVIDENCE EMPLOYMENT EXPENDITURES FINANCIAL RESOURCES FINANCIAL RISK GNP HEALTH CARE HEALTH CARE COSTS HEALTH CARE FINANCING HEALTH CARE PROVISION HEALTH FINANCING HEALTH INSURANCE HEALTH OUTCOMES HEALTH PROMOTION HEALTH PROVIDERS HEALTH SECTOR HEALTH SERVICES HEALTH STATUS HEALTH WORKERS HUMAN DEVELOPMENT HYGIENE IMMUNITY INCOME INCOME GROUPS INCOME LEVELS INFORMAL SECTOR INSTITUTIONALIZATION INSURANCE INSURANCE INSURANCE COVERAGE INSURANCE FUNDS INSURANCE POLICIES ISOLATION LAWS LEGISLATION LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MALARIA MANAGERS MARKETING MOTIVATION MUTUAL AID NUTRITION PARTNERSHIP PATIENTS POLICY ENVIRONMENT POVERTY ALLEVIATION PREMIUMS PRIMARY HEALTH CARE PRODUCTIVITY PROGNOSIS PROGRAMS PUBLIC GOODS PUBLIC SECTOR RATES REINSURANCE RESOURCE ALLOCATION RISK RISK MANAGEMENT RISK SHARING RURAL COMMUNITIES SOCIAL WELFARE SUSTAINABILITY TAXATION WILLINGNESS TO PAY WTP HEALTH SYSTEMS DEVELOPMENT & REFORM INFORMAL SECTOR HEALTH INSURANCE LOW-INCOME COUNTRIES COMMUNITY HEALTH HEALTH FINANCE FINANCIAL RISK RESOURCE MOBILIZATION |
| spellingShingle |
ASSURANCE BREASTFEEDING BUDGET CONSTRAINTS CENTRAL GOVERNMENT COMMUNICABLE DISEASES COMMUNITY HEALTH COMMUNITY INSURANCE COMMUNITY PARTICIPATION CONCEPTUAL FRAMEWORK CONSUMER PROTECTION CONTRIBUTIONS COST RECOVERY COVERAGE DEBT ECONOMIC DEVELOPMENT EMPIRICAL EVIDENCE EMPLOYMENT EXPENDITURES FINANCIAL RESOURCES FINANCIAL RISK GNP HEALTH CARE HEALTH CARE COSTS HEALTH CARE FINANCING HEALTH CARE PROVISION HEALTH FINANCING HEALTH INSURANCE HEALTH OUTCOMES HEALTH PROMOTION HEALTH PROVIDERS HEALTH SECTOR HEALTH SERVICES HEALTH STATUS HEALTH WORKERS HUMAN DEVELOPMENT HYGIENE IMMUNITY INCOME INCOME GROUPS INCOME LEVELS INFORMAL SECTOR INSTITUTIONALIZATION INSURANCE INSURANCE INSURANCE COVERAGE INSURANCE FUNDS INSURANCE POLICIES ISOLATION LAWS LEGISLATION LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MALARIA MANAGERS MARKETING MOTIVATION MUTUAL AID NUTRITION PARTNERSHIP PATIENTS POLICY ENVIRONMENT POVERTY ALLEVIATION PREMIUMS PRIMARY HEALTH CARE PRODUCTIVITY PROGNOSIS PROGRAMS PUBLIC GOODS PUBLIC SECTOR RATES REINSURANCE RESOURCE ALLOCATION RISK RISK MANAGEMENT RISK SHARING RURAL COMMUNITIES SOCIAL WELFARE SUSTAINABILITY TAXATION WILLINGNESS TO PAY WTP HEALTH SYSTEMS DEVELOPMENT & REFORM INFORMAL SECTOR HEALTH INSURANCE LOW-INCOME COUNTRIES COMMUNITY HEALTH HEALTH FINANCE FINANCIAL RISK RESOURCE MOBILIZATION ASSURANCE BREASTFEEDING BUDGET CONSTRAINTS CENTRAL GOVERNMENT COMMUNICABLE DISEASES COMMUNITY HEALTH COMMUNITY INSURANCE COMMUNITY PARTICIPATION CONCEPTUAL FRAMEWORK CONSUMER PROTECTION CONTRIBUTIONS COST RECOVERY COVERAGE DEBT ECONOMIC DEVELOPMENT EMPIRICAL EVIDENCE EMPLOYMENT EXPENDITURES FINANCIAL RESOURCES FINANCIAL RISK GNP HEALTH CARE HEALTH CARE COSTS HEALTH CARE FINANCING HEALTH CARE PROVISION HEALTH FINANCING HEALTH INSURANCE HEALTH OUTCOMES HEALTH PROMOTION HEALTH PROVIDERS HEALTH SECTOR HEALTH SERVICES HEALTH STATUS HEALTH WORKERS HUMAN DEVELOPMENT HYGIENE IMMUNITY INCOME INCOME GROUPS INCOME LEVELS INFORMAL SECTOR INSTITUTIONALIZATION INSURANCE INSURANCE INSURANCE COVERAGE INSURANCE FUNDS INSURANCE POLICIES ISOLATION LAWS LEGISLATION LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MALARIA MANAGERS MARKETING MOTIVATION MUTUAL AID NUTRITION PARTNERSHIP PATIENTS POLICY ENVIRONMENT POVERTY ALLEVIATION PREMIUMS PRIMARY HEALTH CARE PRODUCTIVITY PROGNOSIS PROGRAMS PUBLIC GOODS PUBLIC SECTOR RATES REINSURANCE RESOURCE ALLOCATION RISK RISK MANAGEMENT RISK SHARING RURAL COMMUNITIES SOCIAL WELFARE SUSTAINABILITY TAXATION WILLINGNESS TO PAY WTP HEALTH SYSTEMS DEVELOPMENT & REFORM INFORMAL SECTOR HEALTH INSURANCE LOW-INCOME COUNTRIES COMMUNITY HEALTH HEALTH FINANCE FINANCIAL RISK RESOURCE MOBILIZATION Arhin-Tenkorang, Dyna Health Insurance for the Informal Sector in Africa : Design Features, Risk Protection, and Resource Mobilization |
| description |
Studies and literature reviews of health
insurance schemes targeting rural or informal sector
populations in developing countries (often called
"community insurance schemes") frequently conclude
that schemes have design weaknesses, yet do not explore in
detail the effect of design features on performance. This
paper presents a conceptualization of how performance in the
areas of risk protection and resource mobilization is
determined by the interaction of design features with
institutional and technical factors. Design features refer
to scheme specifications (e.g., required contribution) and
to operating modalities (e.g., procedures for enrolment or
obtaining benefits. Performance, with respect to risk
protection and resource mobilization, of several potential
"high population schemes" for the informal sector
in Africa, is assessed. The outcome suggests that the design
of community health insurance schemes may be improved by:
(1) design specifications that utilize data on willingness
to pay (WTP) of the target population and projected health
care costs; and (2) incorporating modalities of operations
that facilitate cost-effective exchange between a formal
organization and individuals acting in an informal environment. |
| format |
Publications & Research :: Working Paper |
| topic_facet |
ASSURANCE BREASTFEEDING BUDGET CONSTRAINTS CENTRAL GOVERNMENT COMMUNICABLE DISEASES COMMUNITY HEALTH COMMUNITY INSURANCE COMMUNITY PARTICIPATION CONCEPTUAL FRAMEWORK CONSUMER PROTECTION CONTRIBUTIONS COST RECOVERY COVERAGE DEBT ECONOMIC DEVELOPMENT EMPIRICAL EVIDENCE EMPLOYMENT EXPENDITURES FINANCIAL RESOURCES FINANCIAL RISK GNP HEALTH CARE HEALTH CARE COSTS HEALTH CARE FINANCING HEALTH CARE PROVISION HEALTH FINANCING HEALTH INSURANCE HEALTH OUTCOMES HEALTH PROMOTION HEALTH PROVIDERS HEALTH SECTOR HEALTH SERVICES HEALTH STATUS HEALTH WORKERS HUMAN DEVELOPMENT HYGIENE IMMUNITY INCOME INCOME GROUPS INCOME LEVELS INFORMAL SECTOR INSTITUTIONALIZATION INSURANCE INSURANCE INSURANCE COVERAGE INSURANCE FUNDS INSURANCE POLICIES ISOLATION LAWS LEGISLATION LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MALARIA MANAGERS MARKETING MOTIVATION MUTUAL AID NUTRITION PARTNERSHIP PATIENTS POLICY ENVIRONMENT POVERTY ALLEVIATION PREMIUMS PRIMARY HEALTH CARE PRODUCTIVITY PROGNOSIS PROGRAMS PUBLIC GOODS PUBLIC SECTOR RATES REINSURANCE RESOURCE ALLOCATION RISK RISK MANAGEMENT RISK SHARING RURAL COMMUNITIES SOCIAL WELFARE SUSTAINABILITY TAXATION WILLINGNESS TO PAY WTP HEALTH SYSTEMS DEVELOPMENT & REFORM INFORMAL SECTOR HEALTH INSURANCE LOW-INCOME COUNTRIES COMMUNITY HEALTH HEALTH FINANCE FINANCIAL RISK RESOURCE MOBILIZATION |
| author |
Arhin-Tenkorang, Dyna |
| author_facet |
Arhin-Tenkorang, Dyna |
| author_sort |
Arhin-Tenkorang, Dyna |
| title |
Health Insurance for the Informal Sector in Africa : Design Features, Risk Protection, and Resource Mobilization |
| title_short |
Health Insurance for the Informal Sector in Africa : Design Features, Risk Protection, and Resource Mobilization |
| title_full |
Health Insurance for the Informal Sector in Africa : Design Features, Risk Protection, and Resource Mobilization |
| title_fullStr |
Health Insurance for the Informal Sector in Africa : Design Features, Risk Protection, and Resource Mobilization |
| title_full_unstemmed |
Health Insurance for the Informal Sector in Africa : Design Features, Risk Protection, and Resource Mobilization |
| title_sort |
health insurance for the informal sector in africa : design features, risk protection, and resource mobilization |
| publisher |
World Bank, Washington, DC |
| publishDate |
2001-09 |
| url |
http://documents.worldbank.org/curated/en/2001/09/3356190/health-insurance-informal-sector-africa-design-features-risk-protection-resource-mobilization http://hdl.handle.net/10986/13643 |
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1756572763340931072 |