The ILO's Microinsurance Innovation Facility (MIF) has recently released two new knowledge products that highlight value-added services in health microinsurance.
The new emerging insight "The promise of insurance helps families access cheaper funds and cope better," features empirical data from several schemes in India suggesting that providing access to free or discounted outpatient (OP) services leads to lower use and cost of inpatient (IP)services. The findings of this new study illustrate value-added services that increase access to OP services could yield significant business value for IP health microinsurance schemes.
Read the Emerging Insight #56 at:
http://www.microinsurancefacility.org/en/ei56_en
The new research paper, "What is a Health Card Worth? An Evaluation of an Outpatient Health Insurance Product in Rural India," presents the results of a randomized control trial that evaluated the impact of CARE Foundation´s out-patient insurance cards. The insurance product encouraged more frequent visits to community health workers, leading to earlier identification of illnesses and more timely referrals to a doctor or hospital. Since patients were treated at an earlier stage, they spent fewer days in hospital and costs were lower.
Read Research paper 30 at:
http://www.ilo.org/public/english/employment/mifacility/download/repaper30.pdf
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