Assessment of Health Microinsurance Outcomes in Pakistan
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Research Questions
Partner organizations The First Microinsurance Agency (FMiA) administers the Health Microinsurance product under the guidance of the Aga Khan Agency for Microfinance (AKAM). AKAM's underlying objectives are to reduce poverty, diminish the vulnerability of poor populations and alleviate economic and social exclusion. AKAM created FMiA in 2007. This outcomes assessment study is part of the Financial Services Assessment project, undertaken by the IRIS Center at the University of Maryland and Microfinance Opportunities with support from the Bill and Melinda Gates Foundation. Product The Health Microinsurance product is a voluntary private insurance product providing coverage for all in-patient treatments, including hospitalization for serious illnesses, obstetric care and accidents. The product also covers pre-existing conditions. The premium is as little as as $5 per person per year. Members may use the benefits on a cashless basis at most facilities, but must use them on a reimbursement basis at government hospitals.Evaluation design Data Sources:
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