Association d'Entraide des Femmes (AssEF)
SummaryAssociation d'Entraide des Femmes (AssEF) is a voluntary health microinsurance provided by a microfinance institution using the mutual model.
The Association d’Entraide des Femmes, or Women’s Self-help Association (AssEF), is a microfinance institution that was created in 1995, with the aim of contributing to sustainable improvement of the socio-economic situation of women in Cotonou (Benin) and its periurban areas.
Key program components
The voluntary health microinsurance product provides 70% coverage of health expenses from general practice, maternity, and hospitalization services for women and their children within a network of providers (as of February 2006).
Exclusions include specialist services and brand name pharmaceuticals. AssEF charges a US$2 enrollment fee in addition to the premium of US$9.60 (CFA F 4800) per beneficiary per year. However, premiums can be paid in monthly increments.
AssEF uses a third-party-payment system to make payments to the health providers.