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Health Insurance for Development

Explore findings from a study on the National Health Insurance Program in the Philippines, focusing on challenges faced by the informal sector. Discover reflections on Social Health Insurance (SHI) and Community Health Insurance (CHI) approaches, and the role of subsidies in promoting participation. Gain insights into the complexities of insurance schemes and the importance of knowledge exchange.

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Health Insurance for Development

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  1. Health Insurance for Development SA. Quimbo 2012 Research Conference on Microinsurance University of Twente 13 April 2012

  2. Summary of paper presented • Study setting: the Philippines • Data from a household survey (n~14,000) suggests that • the informal sector has been systematically excluded from the National Health Insurance Program (NHIP) • The NHIP component designed to target the informal sector appears to be subject to: • Adverse selection (those who previously expected health shocks are more likely to participate) • Moral hazard (doctors charge more, sick more likely to be confined)

  3. Reflections • SHI versus CHI: which produces better outcomes (in terms of social protection and health status)? • Given advantages and disadvantages of each approach, outcomes are potentially equivalent • Or perhaps in the case of the Philippines, CHIs can help SHI overcome its limitations, particularly, in enrolling the informal sector

  4. Reflections • Will subsidies encourage participation by the informal sector in the NHIP? • There seems to be consensus that subsidies are needed • Our ongoing policy experiment on premium subsidies, shows low uptake despite generous subsidies • Insurance can really be complex, context-specific, which underscores need for venues for the exchange of ideas

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