WELCOME TO NATIONAL LEVEL MEETING OF PROJECT DIRECTORS OF RURAL DEVELOPMENT. ANDHRA PRADESH. PRESENTATION ON Community Managed Health & Life Insurance Total Financial Inclusion Food Security. SANJEEVANI “Community Managed Health Insurance”. SANJEEVANI.
NATIONAL LEVEL MEETING OF PROJECT DIRECTORS OF
Community Managed Health & Life Insurance
Total Financial Inclusion
VO rep explains scheme
Beneficiary goes Network hospital with ID Card, Receipt
Admission for Surgery
Intimation to TPA/ZS by NWH
Patient pays 10% of the bill
Pre-Authorization- from TPA/ZS
Member signs on the Claim Form
Free OPD Consultation
Process of Availing Treatment
Communication To Hospital
Claim ID Generation
Medical Scrutiny and Claims Processing
Claim pending for supporting
Submitted To Trust (Weekly)
Communication To Hospital
Letter Of Settlement To he Bank By ZS
Collection of DD
Dispatch o hospital
the rural poor against sudden death & disability .
Samakhyas and ZS play key role in evolution,
implementation of the scheme
services to cover risks.
mitigation options amongst the poor.
mechanism meets the needs of the poor more effectively
than the provider managed insurance delivery.
based life & General insurance and risks to be covered.
support extended by functionaries.
insurance providers and Zilla Samakhya.
Implementationin Visakhapatnam 2006-07
towards general insurance.
Claim settlement process 105/-
by ZS pending release of money by insurance company is ZS.
Impact in Visakhapatnam District
- Opening of ‘no frills account’
- Issue of ‘General Purpose Credit Card’
Should we focus on 105/-all or should we focus on poor ?
Whether urban or rural, the spread is ‘wide’ in non-poor vis-à-vis poor
Money lenders/friends & relatives
Opening of ‘no frills’ account
Issue of general purpose
Deepening the credit
– possible through SHG model
Financial inclusion of Poor in Andhra Pradesh through SHG-Bank linkage
Financial inclusion – SHG-Bank linkagenot deeper - empirical evidence
The Result …. SHG-Bank linkage
Bank linkage per district (average): 150 crores
Interest amount paid by all SHGs in the district: 230 crores
PLAN OF ACTION SHG-Bank linkage
-weekly internal lending of small debts,
-weekly recovery of small debts,
-book keeping – for every 4 SHGs, ONE book keeper
-need based lending,
-awareness among all members,
-self-preparation of MCP by the SHG
Correlated with income of the poor
Irrespective of income of the poor
Repayment Plan of Members to SHG & SHG-Bank linkage
Repayment Plan of SHG to Bank
How to pay on monthly basis by the member ? SHG-Bank linkage
High Cost ‘i’ paid to money lender is enough…to liquidate bank loan
If a big loan is again required ……. liquidate bank loan
Increase in the corpus of SHG liquidate bank loan
Increase in the corpus of VO liquidate bank loan
Financial Inclusion and other products liquidate bank loan
Other Products to members of SHG liquidate bank loan
Cash Credit Limit to VO liquidate bank loan
The limit may be provided to the VO as per the guidelines approved by SLBC.
Monitoring liquidate bank loan
Bank – Linkage amount taken under T.F.I liquidate bank loanin Maharajpeta (V) Consisting of Maharajpet, Gopuralam & Dontanapalli Hamplets of Rangareddy Dist
Loan Amount Taken Under TFI liquidate bank loanin Gopularam H/o Maharajpet (V) of Rangareddy District
Relief in interest burden per annum liquidate bank loanin Gopularam H/o Maharajpet(V) of Rangareddy District
Building up of Assets of the poor in T.F.I. liquidate bank loanVillage : Gopularam
Increase in Annual Income of the poor liquidate bank loanin Gopularam H/o Maharajpet (V) of Rangareddy District
Before TFI liquidate bank loan
EFFECTIVE IMPACT OF TOTAL FINANCIAL INCLUSION ON THE POOR IN GOPULARAM h/o MAHARAJ PET (V)
Total Villages covered : 320
Total SHGs covered : 5218
Total Financial Assistance extended : Rs.173.43 Crores
Total Villages covered : 1356
Total SHGs covered : 24456
Total Financial Assistance extended : Rs.717.48 Crores
FOOD SECURITY liquidate bank loan
Requirements of the VO will be arrived.
Proposal will be sanctioned and the VO will be SPIA.
The purchase committee procures the rice by conducting market survey in respect of quality and the price of the commodity.Implementation process-the collection of indent
Only rice will be included collected.
Recycling will be for every month or for every six months
One month-procurement from open market or by procuring the paddy
Six months- procurement of paddy, mill it in local rice mill and distribute to SHGs for every six monthsThe basic model-rice centered
If rice or paddy, it is at VO level collected.
In respect of red gram, tamarind, edible oil and red chillies it will be at VO level or at MS level or at Area level
At VO level and MS level procurement committees are positioned out of the VO-EC or MS-EC as the case may be
At AREA level the procurement committee is constituted with two members from each MS within that MSProcurement
If it is monthly recycling, the recovery will be completed from the members within 3 weeks
If it is 3 month/6 month model, recovery will be completed within 5 months
In monthly model, the instalments will be on weekly basis
In 6 monthly model the instalments will be on monthly basisRecovery
Within the SHG, the food security plan is prepared by the SHG taking each member’s requirement , particularly the POP- both quality and quantity and the nature of food grains
The repayment instalments will be fixed as per the convenience of the members
The small loan provision is available in the SHG to the member in case she is not able to repay that instalment
A poor women in Dondapadu Village of Thulluru Mandal Cooking RiceInclusive approach
-- 816,323 MT/year
Reduction in price
Increase in real income
Increase in quality
Ensuring “Total Food Security”
Caring for the aged, destitute and pregnant women
Capital formation in VOs and MSsThe Impact
THANK YOU the poor