案例研究

为柬埔寨服务不足的农村社区提供小额保险服务

在这个案例研究中,我们分享如何reach52成功开展农村小额保险业务柬埔寨,与…合作两个国家的最大的保险公司

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    Over 60% of all health expenditure in Cambodia is financed through out-of-pocket payments at point of care, affecting health seeking behaviour and access. An estimated 1/3 of all households in Cambodia hold some form of healthcare-related debt.

    More than half of these households experience difficulty repaying their healthcare loans. Only a small minority of rural residents are familiar with the concept of private health insurance. Residents lack trust in the products and are sceptical of the benefits.

    For rural residents, private health insurance is typically only available from Micro-Finance Institutions in town centres, offered as part of loan packages.

">挑战
  • reach52 started by launching a research project in our partner-communities to better understand challenges involving out-of-pocket payments for health services. We also examined knowledge, attitudes and practices involving private insurance products, working to get an informed perspective on the types of products that would create value for beneficiaries.  

    We then shared our findings with Prevoir Insurance, a national leader in micro-insurance products for lower-income families; and Forte, the largest insurer in CambodiaEach of these firms worked with us to craft a set of products specifically designed to cater to the needs of residents in our partner-communities.  

    These products were included in the launch of our last-mile marketplace of affordable health products in Cambodia, which also includes medicines and consumer health items. This marketplace is operated by a network of women recruited from rural areas, and powered by reach52’s offline-first tech platform.  

    Our reach52 marketplace area managers visit residents door to door to drive awareness and adoption, supported by community events to educate on insurance and its benefits.  

    The first successful claim was processed and paid in Q2 2020, helping to demonstrate the value and reliability of these insurance products in reducing out-of-pocket payments for community members.  

     

    The growth of our marketplace is supported by partnerships with some of the largest health-focused NGOs in Cambodia as important implementation partners. Insurance services are easily integrated into existing programmes, providing sustainable revenue for organizations, and reducing out-of-pocket payments for rural families. 

    ">方法
  • Since launching in mid 2020, reach52’s micro-insurance products have been positively received with good initial update. Individuals can purchase comprehensive health insurance starting at only $15/yr. From our original pilot site in Siem Reap, we’re now preparing to scale to an additional 5+ provinces. 

    Our clients have also requested additional insurance products, so we’re excited to add crop-insurance to our current offerings in the coming months. We are working with our research team to quantify the cost-savings and financial protection offered by beneficiaries.


    Additional features for our fintech platform will be available in 2021 through our partnership with UNICEF Innovation, including cashless payments, a health-wallet loyalty programme and a self-service kiosk mode for small storeowners.  
  • ">影响

    柬埔寨60%以上的卫生支出是在医疗点自付的,这影响了求医行为和就医机会。据估计,柬埔寨所有家庭中有三分之一持有某种形式的保健相关债务。

    这些家庭中有一半以上难以偿还医疗贷款。只有少数农村居民熟悉私人医疗保险的概念。居民对这些产品缺乏信任,并对其好处表示怀疑。

    对农村居民来说,私人医疗保险通常只能从城镇中心的微型金融机构获得,作为一揽子贷款的一部分。

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