[Subgroup-health] Agenda Cartagena Health Sub-group Meeting

vkalavak at worldbank.org vkalavak at worldbank.org
Fri Oct 31 21:40:55 CET 2008


Dear,

My apology that I will not be able to join the discussions in Cartagena as I am
preoccupied with some World Bank operations and will be returning to Washington
DC on 5th Nov. Nevertheless I had a chance to go thro' the agenda that Valerie
has prepared which looks quite attractive.

I would also like to echo the concerns expressed by David i.e., looking at the
questions that Valerie has painstakingly pulled together from various feedbacks
it sounds like we have lost track of what we want to achieve. The questions are
all over the place from impact on National Health System, to impacts on provider
payment systems........... I think we need to take a pause and FIRST ADDRESS the
questions that David posed in his email (ref-below) as a starting point. I think
we should FIRST try to increase the number of lives insured under micro health
insurance before even thinking of systemic impacts. Hence, David's FIVE
QUESTIONS (1 to 5) are very pertinent in this regard.

I hope as a group we will be able to address them.

Regards
Vijay
                                                  
 (Embedded image moved to file: pic31690.gif)     
 Vijayasekar Kalavakonda                          
 Financial Markets for the Social Safety Net      
 The World Bank Group | International Finance     
 Corporation                                      
 2121 Pennsylvania Avenue, NW Washington, DC      
 20433, USA                                       
 tel: +1 202-458-4624    fax: +1 202-522-7105     
 email: vkalavak at worldbank.org                    
 rru.worldbank.org | www.ifc.org                  
                                                  






                                                                                
             "David Dror"                                                       
             <daviddror at socialre                                                
             .org>                                                           To 
             Sent by:                    "Valérie Schmitt-Diabate"              
             subgroup-health-bou         <schmitt-diabate at ilo.org>              
             nces at microfinance.l                                             cc 
             u                           subgroup-health at microfinance.lu        
                                                                        Subject 
                                         Re: [Subgroup-health] Agenda Cartagena 
             10/31/2008 03:37 PM         Health Sub-group Meeting               
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                




Dear all,
The list sent by Veronique includes some topics that clearly are assuming all
kinds of assumptions that have never been corroborated by research. Hence, I
think we should be careful in determining what research we wish to do by posing
questions, rather than going directly to the operative phases.
May I request that the following research items be added to the list:


   1.       What is the incidence of health risks to which the target population
   is  exposed?  Is incidence of these risks different from the incidence in the
   populations at large or other comparable groups?


   2.       What  is  the unit cost that the target population is exposed to? Is
   the  cost  essentially  different  from that payable by other segments of the
   population?


   3.       Combining incidence and cost of healthcare, (frequency and severity)
   for  an estimate of the premium that should be paid, is there a factual basis
   to say that the insurable risk of the target population at micro insurance is
   different  from  comparable  populations?  If  so, why? What implications for
   low-cost health insurance solutions?


   4.       Assuming  that the poor are willing to join insurance only when they
   trust the insurer, what trust building measures should be taken?


   5.       How  can  one  measure  / quantify "value for money" in micro health
   insurance?


   6.        How  many  reserves  should  micro  health  insurance units keep as
   guarantee for their solvency?



Thank you, and good deliberations in Cartagena.
David Dror
On Fri, Oct 31, 2008 at 2:27 PM, Valérie Schmitt-Diabate <
schmitt-diabate at ilo.org> wrote:

  Dear all
  Please find attached a very tentative agenda compiling most of the comments
  and proposals that you kindly shared over the past few days.
  I will be out of the office as from this evening and traveling over the week
  end ; so if you have comments on the tentative agenda please send them
  ASAP ... or we will discuss them in Colombia !
  I understand that the discussion on the mision statement is not over but
  continues through electronic exchanges as suggested by David Dror ; so I
  deleted the mision statement discussion from the Agenda.

  Thanks for all your input!
  Valerie




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--
Chairman, the Micro Insurance Academy, New Delhi (www.microinsuranceacademy.org)
Hon. Professor of health insurance, Erasmus University Rotterdam
Access my publications freely at: http://ssrn.com/author=183410 (Social Science
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