Impact Insurance Working Paper #6: Innovations and barriers in health microinsurance

The emergence of health microinsurance (HMI) programmes worldwide provides hope that the poor will receive, at a minimum, a reliable, adequate level of access to affordable healthcare. Led by the University of North Carolina - Chapel Hill and the ILO's Microinsurance Innovation Facility, this paper includes a literature review of 68 documents covering the period from 1999 to 2010 and expert interviews with more than 31 experts representing 25 organizations. It focuses on private sector HMI and discusses the challenges that limit the growth and impact of HMI. In addition to identifying barriers to success, the authors present innovations that may move the field forward, including collaboration with public programmes.