案例研究

与Aditya Birla Health合作,改善印度农村的金融保护


在这个案例研究中,我们分享我们是如何与Aditya Birla健康交付负担得起的健康保险印度卡纳塔克邦的社区

  • The World Health Organization estimates that in 2020, approximately 1 billion people (almost 13 per cent of the global population) will be spending at least 10% of their household budgets on healthcare.  The situation is likely to be compounded by the COVID-19 pandemic, with the World Bank estimating almost 50 million more people will be pushed into extreme poverty this year. Improving financial resilience is a priority in delivering health for call across the planet.

     

    In India, out of pocket health expenses remain high in Karnataka at 74.3% of the population, with many families unable to afford the cost of hospital treatments. Current public and private insurance options for these rural communities have been limited up to now, meaning people are a left with the choice of going without or disastrous expenditures that can wreck livelihoods.  

     

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  • reach52 conducted needs and affordability analysis in target rural communities in Mysore and Kolar, identifying the opportunity for simple affordable insurance plans for hospitalisation and personal accident cover 

     

    We engaged the Aditya Birla team who are committed to financial inclusion and improving access to their insurance services in underserved rural regions. For the first launch phase, community health insurance plans were designed for individuals and families, providing the protection for hospitalisation and personal accident the communities needed but at affordable rates. The focus was on more protection, less to pay and less complexity – making it simple to enrol with your coverage starting from day one, and simple to claim with payouts usually in just over a week.  

     

    The affordable insurance plans were made available through the reach52 marketplace service – our catalogue of affordable health products and services – which is provided through a mobile app by Marketplace Area Managers in low connectivity, rural areas across South and South East Asia.  

     

    We partnered with non-governmental organisations MYRADA and MYKAPS to equip their field teams as reach52 Marketplace Area Managers (MAMs). The MAMs drove awareness of the new service, educating residents on the benefits of insurance, and supporting the ordering of the insurance plans through the reach52 marketplace mobile app.  

     

    Awareness and engagement campaigns were delivered through outdoor advertising and street play events focused on the key message of ‘Protecting the ones you love’ through affordable health insurance.

     

    Community trust is essential to driving adoption of insurance in regions where it is often not understood why you would pay for a service you may not need or use. To instil confidencewe collaborated with local community leaders and groups to drive advocacy, as well as sharing ‘positive claim’ testimonies to demonstrate the impact.

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  • The programme was launched in late October 2020 

    Over 3,000 insurance plans have already been purchased by
    rural residents in Kolar and Mysore.

     

    We will report on the full pilot programme in 2021.  



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  • 世界卫生组织估计,到2020年,大约有10亿人(几乎占全球人口的13%)将至少把家庭预算的10%用于医疗保健。2019冠状病毒病大流行可能会加剧这种情况,世界银行估计,今年将有近5000万人陷入极端贫困。改善金融恢复力是在全球范围内提供卫生服务的一个优先事项。

    在印度,阿在卡纳塔克邦,自费医疗费用仍然很高,占人口的74.3%,许多家庭无力支付医院治疗费用。到目前为止,这些农村社区现有的公共和私人保险选择有限,这意味着人们只能选择没有保险或灾难性的支出,这可能会毁掉他们的生计。

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