Social Reinsurance : A New Approach to Sustainable Community Health Financing

Including health issues at the top of the political agenda, is an indictor for national development. Breaking the vicious cycle of low resources leading to illness, and illness leading to poverty, is a problem that all policy makers face in poor countries. Access to decent and affordable health care is to be facilitated by community-based institutions, which require sustainability through social reinsurance. The authors offer a concept as promising as original, opening a path between traditional government-based, and market-based responses to the lack of health care for the very poor, while maintaining a role for the government, in furthering social goals, through micro-insurance, but also creating a favorable market environment. The path is a pragmatic look at what close-to-people-needs schemes can do to fill the gap of ill-being. The authors, however, dig deeper into the subject in various manners: they link their analysis to the emerging study of social capital, and the need for people to trust their peers, and build networks with them; they also give a strong analytical underpinning to how to insure, and reinsure community-based financing schemes; they preempt possible critics, by addressing the need to design early on, an adequate regulatory framework for micro-insurance, and reinsurance; and, they go from theory to practice, with a thorough case study of a pilot experience in the Philippines.

Bibliographic Details

Main Authors:	Dror, David M., Preker, Alexander S.
Language:	English en_US
Published:	Washington, DC: World Bank and Geneva: International Labour Office 2002
Subjects:	ABILITY TO PAY, ASBESTOS, ASSURANCE, BASIC HEALTH SERVICES, CLINICS, COMMUNITY HEALTH, COMMUNITY HEALTH SERVICES, COVERAGE, DEATHS, DOCTORS, EPIDEMIOLOGICAL RESEARCH, EPIDEMIOLOGY, ESSENTIAL DRUGS, EXPENDITURES, HEALTH CARE, HEALTH CARE FINANCING, HEALTH CARE SYSTEMS, HEALTH ECONOMICS, HEALTH EXPENDITURE, HEALTH EXPENDITURES, HEALTH FINANCING, HEALTH INSURANCE, HEALTH NEEDS, HEALTH POLICY, HEALTH REFORM, HEALTH SECTOR, HEALTH SERVICES, HEALTH SYSTEM, HEALTH SYSTEMS, HEALTH WORKERS, HMO, HOSPITAL CARE, HOSPITALS, HYGIENE, INCOME, INCOME GROUPS, INFANT MORTALITY, INFANT MORTALITY RATE, INFORMAL SECTOR, INFORMATION PROBLEMS, INPATIENT CARE, INSURABILITY, INSURABLE RISKS, INSURANCE COVERAGE, INSURANCE FUNDS, INSURANCE SYSTEMS, INSURERS, INTEREST RATES, LABOR FORCE, LEARNING PROCESS, LIFE EXPECTANCY, LOW-INCOME COUNTRIES, MEDICAL ECONOMICS, MEDICAL FACILITIES, MICROINSURANCE, MORBIDITY, MORTALITY, NUTRITION, PARTNERSHIP, PATIENTS, PHYSICIANS, POLLUTION, PREGNANCY, PRIMARY CARE, PRIVATE INSURANCE, PROBABILITY, PROFESSIONAL TRAINING, PROGRAMS, PUBLIC HEALTH, REINSURANCE, REINSURANCE PREMIUMS, RESERVES, RISK ANALYSIS, RISK FACTORS, RISK MANAGEMENT, RISK PROFILES, RISK TRANSFER, SAFETY, SAVINGS, SOCIAL CAPITAL, SOCIAL EXCLUSION, SOCIAL INSURANCE, SOCIAL SECURITY, SOLVENCY, WALKING, WORKERS SOCIAL ROLE, COMMUNITY-BASED METHODS, POLICY FORMATION, DEVELOPMENT INDICATORS, HUMAN RESOURCE DEVELOPMENT & OPERATIONS POLICY, DISEASE BURDEN, POVERTY INCIDENCE, POVERTY GAP, ACCESS TO HEALTH CARE, AFFORDABLE ACCESS SERVICES, INSTITUTIONAL CAPACITY, SOCIAL INFRASTRUCTURE, SOCIAL INSURANCE PROGRAMS, MARKET BASED MECHANISMS, GOVERNMENT ROLE, MICROFINANCE PROGRAMS, FINANCING OPTIONS, PROGRAM DESIGN, REGULATORY FRAMEWORK, CASE STUDIES,
Online Access:	http://documents.worldbank.org/curated/en/2002/12/2493980/social-reinsurance-new-approach-sustainable-community-health-financing https://hdl.handle.net/10986/15211
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