Case studies of community-based health micro-insurance in the Philippines

Case studies of community-based health insurance schemes in the Philippines

The document presents studies on three health micro-insurance schemes, namely, ORT Health Plus Programme in San Fernando, La Union; the NOVADECI Health Care Programme in Novaliches, Quezon City and BICAO Investment Care and Administration Organization in Carmen, Bohol.

Health care services are dependent not only on health care system supply factors but also on continued access to a balanced spectrum of health care for each member of the community, from the removal of financial barriers to seeking care. In many developing countries, government budgets for health have been significantly reduced leading to the implementation of mechanisms where government health care providers and institutions are allowed to apply user charges to all but the indigent population. In many of these developing countries, these services in public hospitals were the only source of care provided free of charge for the majority of the population.