Micro Health Insurance: The Quest for a Balance between Different Interests of Healthcare Providers, Clients and Insurers

Health Action, Vol. 28, No. 5, pp. 10-12, April 2008

4 Pages Posted: 19 Apr 2008 Last revised: 2 Sep 2009

See all articles by David M. Dror

David M. Dror

Micro Insurance Academy (MIA)

Abstract

The three partners in the equation of health insurance are the clients, the providers of care and the insurers. Each of the stakeholders aims at different objectives: providers of healthcare seek to deliver health services, and each provider focuses on those services that it has capacity to deliver. The objective of insurers is to ensure that expenditure levels will not exceed the income. And the objective of clients is to obtain affordable and good quality services that are relevant in their context, through a process that they consider as fair. In the face of potential conflicts of interest between insurers, providers and clients, micro health insurance units that enjoyed sufficient autonomy to adapt the insurance solution to the specific conditions of the client-group served (mostly organized as community-based mutual schemes) have demonstrated coherent capacity to find a balance between the three sets of interests. This is the unique strength of micro health insurance units in the rapidly changing conditions that prevail in low-income India.

Keywords: Micro health insurance, India, the mutual model

Suggested Citation

Dror, David M., Micro Health Insurance: The Quest for a Balance between Different Interests of Healthcare Providers, Clients and Insurers. Health Action, Vol. 28, No. 5, pp. 10-12, April 2008. Available at SSRN: https://ssrn.com/abstract=1121299

David M. Dror (Contact Author)

Micro Insurance Academy (MIA) ( email )

New Delhi, NCR
India
+41 78 790 6789 (Phone)

HOME PAGE: http://https://en.everybodywiki.com/

Register to save articles to
your library

Register

Paper statistics

Downloads
552
rank
47,921
Abstract Views
2,723
PlumX Metrics
!

Under construction: SSRN citations while be offline until July when we will launch a brand new and improved citations service, check here for more details.

For more information