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Micro Health Insurance: Health Care for India's Poor
Alex Steffen, 2 May 05

Here's an interesting idea-in-development: creating micro health insurance for India's poor:

Like you, we are aware of the huge need to ... look for solutions to encourage health insurance for the poor, in pursuit of breaking the vicious cycle of poverty -> ill health -> poverty.

Getting the world's poorest people access to the kinds of financial tools, insurance and hedges against disaster which most of us in the developed world take for granted is a big, powerful idea. If it can be done right, it may well be one of the keys to ending poverty as we know it.

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Comments

it's important to understand that the microinsurance idea (and, in particular, the microhealthinsurance idea) is not a mere extension of the microfinance/-credit concept. microinsurance's first objective is not to provide capital or resources with which the benefactors (i.e. the ones who take a loan) can work productively. instead, microinsurance aims at stabilising or even creating conditions in which credit-lending and self-responsible economic activity can take place. thus, microinsurance is a far more fundamental tool to stabilise social security and eradicate poverty than microcredit.


Posted by: Thomas on 7 May 05



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