Stabilising community health financing through re-insurance
نویسندگان
چکیده
The purpose of this article is to examine the notion that reinsurance can stabilise the financial operation of small community based health schemes (micro-insurance) in low-income settings. Stabilisation activity focuses on counteracting adverse financial consequences of local catastrophes, the impact of excessive statistical fluctuations due to small group size, and the error in estimating probabilities of claims. A mathematical model was constructed to analyse the financial functioning of micro-insurance and its relationship with the reinsurer. Results were related to information from Kisiizi (Uganda). The main insight of the study is that when the financial results of the micro-insurance can be estimated, these schemes can be stabilised from the first year of establishing reinsurance treaties. The second insight is that the reinsurance might require several years of operation before reaching cost-neutrality.
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