Micro-insurance: Extending Health Insurance to the Excluded

This paper proposes a way to improve health provision for populations that are usually excluded from access to health services. It starts out from a short description of who the excluded are, and what they are excluded from. The paper then looks at the major policy statements elaborated at the international level, and proceeds to propose the missing dimension. Next, based on field testing and analysis of several tens of pilot cases, the paper proposes a concept for group-based health insurance, or micro-insurance, and explains its rationale and its components. Lastly, the paper proposes a strategy to implement this concept.