MILK Brief #22:“Doing the Math” – Outpatient Health Insurance in Tanzania


MILK Brief #22:“Doing the Math” – Outpatient Health Insurance in Tanzania

In this MILK Brief, the MILK project’s Client MATH team explores the value that Tanzania’s KNCU Health Plan offers its clients. The KNCU Health Plan is a collaborative effort of the multi-national microinsurance intermediary MicroEnsure, the Dutch NGO PharmAccess, and the Kilimanjaro Native Cooperative Union. In partnership with surveyors from the Tanzania Women Research Foundation (TAWREF), we identified and interviewed former patients – both members of the KNCU Health Plan and individuals with no health insurance coverage at all – about the cost and quality of a recent outpatient healthcare visit for a non-chronic condition.

We explore the total costs of the illness, looking not only at the direct cost of care but transportation costs and opportunity costs given that these can contribute to the incentives to seek care and when. We examine financial savings, but we also explore how the combination of lower costs and improved service value influence clients’ health-seeking behavior. We find that the product offers significant cost savings for the insured. We also see some evidence that by reducing costs and distances, the coverage influences clients to seek care sooner than uninsured respondents.

File Name: MILK Brief_22 - Doing the Math - Outpatient Health Insurance in Tanzania.pdf
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Created Date: 01-23-2013

Quote of the Day

"I was stranded in New York City during the 2003 blackout, and for the next two years, I carried a small flashlight in my backpack. The flashlight did not cost much, but its potential to help in another blackout was obvious and to use it I needed only to press a button. For microinsurance to be accepted on a massive scale, it cannot cost much, its value must be obvious, and it must be simple to use." -- Brandon Matthews | Head of Microinsurance, Zurich Financial Services

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