Center for Health Market Innovations (CHMI)

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CUMO Microfinance

last updated Jun 15, 2012

Program Type
- Financing Care › Micro/community health insurance
Health Focus
- General Secondary/Tertiary Care

Target Geography Rural
Target Population General population

Overview

Legal Status:

Private (for-profit)

Year Launched:

2009

Stage:

Existing/expansion stage

Income Level of Target Population:

Bottom 20%

Funding

Primary Source of Funding:

Membership/subscription fees

Scale

Number of Clients Served:

40879 clients

Summary:

CUMO Microfinance's health insurance scheme is delivered using a partner-agent model. The scheme covers hospitalization, offers one-time financial support payment when hospitalized, and covers loan while the client is hospitalized.

Key program components:

The policy covers only the microfinance client between the ages of 18 and 65. There are no exclusions, and no client is forced to take an HIV/AIDS test or declare his/her HIV/AIDS status. The premium is collected as part of the client's loan.

Location

Country of OperationMalawi

City/Village of Operation

Province/State(s) of Operation
Rural Lilongwe
Dedza
Ntcheu
Balaka
Salima
Mangochi
Phalombe
Mulanje
Thyolo
Zomba
Machinga

Contact Information

Website

Survey Information

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The Center for Health Market Innovations (CHMI) promotes programs, policies and practices that make quality health care delivered by private organizations affordable and accessible to the world’s poor. Operated through a global network of partners since 2010, CHMI is managed by the Results for Development Institute. CHMI is funded by the Department for International Development (DFID), the Bill & Melinda Gates Foundation, and the Rockefeller Foundation.

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