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Grantee
Centre International de Développement et de Recherche (CIDR - International Centre for Development and Research) is a non-governmental organization (NGO) created in 1961. It aims to strengthen the capacity of local institutions and microentrepreneurs in the informal economy of a dozen African countries, by promoting microfinance, service enterprises, territorial development In several of these countries, CIDR is also involved in supporting mutual health organizations (MHO).
Consortium member:
Established in 1999 as part of a health insurance programme by CIDR, l'Union des Mutuelles de Santé de Guinée Forestière (UMSGF), is a regional network that governs and provides technical services to 35 MHO in Guinea. UMSGF has been providing microinsurance products for 8 years with CIDR support. Currently covering about 22 000 people in the 3 districts of Lola, Nzérékoré and Yomou, UMSGF offers a voluntary family health package that covers primary health care and hospitalizations.
Project Summary
- Project name: Health Product diversification and improvement of institutional efficiency of the schemes
- Project start date: July 2008
- Duration: 3 years
- Country: Guinea
Beneficiaries
CIDR expects to reach 21,000 women through the maternity coverage and 50,000 school children with the accident and illness coverage.
Project Description
The project seeks to improve the existing MHO sustainability by diversifying the products they offer. The first phase will implement a mandatory coverage for maternity at the village level as well as a mandatory accident and illnesses coverage for children at school. In a second phase, the MHO will expand the scope of their activities and target formal workers.
A second objective is to improve the quality and efficiency of health care by implementing performance based on contracts with health care providers.
Eventually, the project will strive to improve the MHO' efficiency by strengthening their information system and marketing strategy.
Key Challenges
- Low financial capabilities in households to face medical emergencies and pay insurance premiums
- Lack of health care quality
- Limited capacities of the staff
Learning Agenda
- What is the value of basic health insurance for the rural poor and especially of maternity coverage?
- To what extent can the poor benefit from health insurance in the context of inadequate health services infrastructure?
- What are key strategies for sustainability of MHO? Is a product diversification strategy sufficient? What are other ways to improve efficiencies and stabilize MHO financial performance?
- What are the specific mechanisms to reduce adverse selection, moral hazard and frauds?
- What is an efficient marketing strategy to promote these kinds of products?
- How an innovative group product, as village based maternity coverage, could boost the current individual products?
More information on the project
Website of the grantee:
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