Gonoshasthaya Kendra (GK)
Country of Operation
SummaryGonoshsthaya Kendra (GK) provides health care and health insurance to undeserved populations in Bangladesh.
Key program components
Among the services offered by GK are the following:
Primary Health Care and Paramedics The use of paramedics ensures the delivery of health services to poor people living in rural areas. In addition to providing health care, employing female paramedics enables women to find new and satisfying employment opportunities.
Gonoshasthaya Urban Hospital: This 150-bed hospital provides a wide range of medical services for the general public, including patients covered by GK's income-based health insurance program. Furthermore, beginning in April 1999, mobile clinics can be dispatched to provide primary and school health care to the urban population.
Health Insurance: Gonoshasthaya Kendra introduced its Health Insurance Scheme in order to provide sustainable health care services to its target population. It employs a mutual model and offers inpatient coverage, maternity benefits, and discounts on medications. The product is individual and voluntary.
Benefits include inpatient coverage for the family, maternity benefits up to US$675, and subsidized drugs depending on socio-economic status (as of 2000). The premium is approximately US$0.1 - US$1 depending on socio-economic group (as of 2000). The co-payment is also dependent on socio-economic status.
Insured persons are divided into four groups according to their socio-economic status and premium payments are determined by group. Group A represents distressed women and poor people. Group B represents marginal farmers who face insufficiency and even starvation. Group C represents those who can afford to eat twice a day and have some surplus. Group D represents those who have a sufficient supply of food but little surplus.
GK believes that health management is not an isolated problem in Bangladesh and that in order to develop the health care system, services must be integrated with other development activities. Therefore, GK is working to incorporate capacity building, basic education, financial assistance, female empowerment and other activities into the mandate of each of its health centers.