[Subgroup-health] 2nd discussion - Workshop during CGAP Conferenceon Microinsurance

[John Pott]

Dear Fellow Work Group Members,
 
The cost of medicines is a very major concern of the micromarket because in many instances for them more than 50% of their out of pocket expenditures for health constitute payment for medicines.
 
Perhaps I am jumping the gun, but I would like to suggest within the innovative products section - strategies to design an effective low cost benefit package - there should be an activity component that comprises taking an inventory of the approaches that have been adopted so far by insurers to lowering the costs of medicines component of a health package.
 
 The stronger purchasing power of an insurer with a large number of insured ( eg. medicine discounts for members at hospitals and pharmacies); the ability of the insurer to wield some control over the prescribing practices (e.g. strong pressure for generics which are usually so much cheaper than branded); as well as the ability through education of its insured membership to influence patient behaviour and expectations ( e.g. not to expect that risky, expensive and unnecessary vitamin injection at every visit) should I believe yield promising cost savings and therefore lower premiums for our market.
 
With best regards
 
John Pott
Project Manager 
AKAM Microinsurance Initiative,
1-3 Avenue de la Paix,
1211 Geneva 2,
Switzerland
Geneva Office Phone 00 41 22 909 7355
Swiss based Mobile phone 00 41 79 2011 468 
email: john.pott.ext at akdn.org

________________________________

From: subgroup-health-bounces at microfinance.lu on behalf of Valérie Schmitt-Diabate
Sent: Fri 4/18/2008 15:53
To: subgroup-health at microfinance.lu
Subject: [Subgroup-health] 2nd discussion - Workshop during CGAP Conferenceon Microinsurance



Dear workgroup members, 

We have done already some progress in the joint definition of a mission statement and key questions that we want to adress in our Subgroup on Health Microinsurance (the second round of comments is arriving ; a final version will be ready beginning of May).

This mission statement is the starting point for the planning of concrete activities of our workgroup. In november the CGAP Conference on Microinsurance will be held in Colombia and we think it is a good opportunity for our workgroup to :

- meet on this occasion (organize an "internal" working session of the health microinsurance subgroup)

- organize a workshop / round table on one of the key questions mentioned in our mission statement. 

We would like the workshop to be a joint activity of the workgroup and ask for your input in its design and realisation. 

The topic of our workshop should fit in one of the 4 themes of the conference: 1) technology, 2) capacity building, 3) regulation, supervision and policy issues, 4) innovative products and distribution channels

Combining these themes with the key questions of our mission statement we come up with the following suggestions for the topic of the workshop:

Regulation, supervision and policy issues 

*	The role of HMI in national health systems: Initiatives of national governments to extend coverage of health services through HMI (With cases of for example India, Colombia, Ghana, Peru). 
	

Innovative products and distribution channels 

*	Strategies to design of an essential cost effective benefit package adapted to the specific needs and priorities (economically and socially) of the targeted groups 
*	Models of providing health microinsurance: the role of social security institutions, CBHI, MFIs, insurance companies and cooperatives. 
*	Microinsurance and provision of health: improving health care quality through innovative models of purchasing services 
	

Off course, other suggestions are welcome !!! 

Questions we would like you to answer: 

*	What should be the central topic of the workshop (choose one of options above, or suggest another topic) ? 
*	Suggestions on speakers and cases 
*	Input your organization is able to give to the workshop (case studies, documents, exponents, methodology..) 
	

We would like you to give your input before the 1st of May. We then will present the results of this election and propose a workplan to prepare the workshop. 

Harrie Oostingh, Oxfam Novib and Valerie Schmitt, ILO / STEP




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