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   The first step in any project aimed at setting up or further developing a health micro-insurance scheme. Its objectives are to: (1) verify the relevance of the future health micro-insurance scheme, that is, to ensure that it offers a suitable response to the problems expressed and takes into account the particular context under consideration; (2) define the characteristics of the future scheme that would both ensure the scheme's viability and encourage its development; (3) describe an initial situation and use it for the subsequent evaluation of the scheme's impact on the health context and on access to health care. [ILO-STEP, 144]

   An association of several schemes or unions of health micro-insurance schemes. Federations often assume the role of representing the schemes and promoting social protection. [ILO-STEP, 144]
See: union of health micro-insurance schemes

   A method of payment in which the health care provider is paid for each health service delivered and covered by the health micro-insurance scheme. [ILO-STEP, 144]
See also: methods of payment

   Synonym: method for fee-setting

   Context: needs of the target population

   The value of a fixed asset to its owner at any point of time is determined by the present value of the future rentals that can be expected over its remaining service life. The sum of values of all economic fixed assets of an economy is called its fixed capital (capital stock). Fixed assets are entities over which ownership rights are enforced either individually or collectively, and from which economic benefits my be derived by their owners by holding or using them over a period of time. The level and quality of the fixed capital co-determines the level and quality of an economy's output. [ILO, ISSA, 777]
Context: national accounts

   A benefit in which 100 per cent of health expenses are covered, up to a prescribed limit, which is expressed in monetary units. (It should be noted that the use of flat-rate benefits in insurance differs from their use in other economic contexts. An insurance scheme cannot reimburse more than the amount actually spent by the beneficiary, such as in the case where a flat-rate travel allowance is granted independently of actual expenses.) The flat-rate benefit can be a maximum amount per prescription, consultation, session, episode of illness, hospital day, period or year. The amount of the flat-rate benefit is determined in advance and is independent of the expenses actually incurred by the patient. The use of flat-rate benefits helps to limit the expenses of the health micro-insurance scheme and to protect against catastrophic claims, which, owing to their exorbitant cost, could bankrupt the scheme.
Synonym: maximum benefit

   The average number of cases of illness or utilization of a health service by a particular segment of the population over the course of a year. [ILO-STEP, 144]

   An indicator that measures access to a health facility by the inhabitants of its catchment area. The frequentation rate is equal to the ratio of the number of new cases to the number of inhabitants. New cases are new episodes of illness or new pregnancies "seen" by the staff of the health facility for the first time. If a patient must return one or more times to undergo treatment in connection with a single episode of illness or a single pregnancy, these new visits are counted as old cases and are not taken into account in calculating the frequency rate. However, if a member uses a health facility 5 times over the course of a year for 5 different episodes of illness, all 5 visits must be counted. [ILO-STEP, 144]