Healing Fields Foundation-Micro Health Insurance
Country of Operation
- Healing Fields FoundationNot-for-profit
Target income level
- Bottom 20%
SummaryHealing Fields is a non-profit organization dedicated to making health care affordable and accessible to poor, underprivileged and marginalized people in India. The Foundation has provided health insurance to over 65,000 individuals from low income communities across four states in India.
Understand financial and quality-of-care-guidance needs faced by the poor when accessing medical treatment.
Key program components
In January 2007, Healing Fields concluded a three-year pilot – “Breaking the Cycle of Despair: Health care Financing Delivery Project” – in collaboration with the United States Agency for International Development (USAID), to explore the viability and design of micro-insurance schemes in India. Based on rigorous analysis of rural, urban and tribal health needs assessments, Healing Fields, in association with HDFC CHUBB (now HDFC Ergo General Insurance Company), developed a unique micro-health insurance product called Pariwar Suraksha Bima (PSB) based on a Diagnosis Related Group (DRG) model.
The pilot project involved the creation of a health education, financing and administration “ecosystem” for the poor. This ecosystem focused on creating affordable treatment of common yet deadly diseases for the poor through a mix of private/public insurance companies, third party administrators, a group of secondary and tertiary care hospitals, and Self-Help Groups managed by non-government organizations or co-operatives.
During the three years of the pilot implementation, the loan taking rate to meet health care expenditure was reduced by 70% among the insured population and the savings enjoyed by members on health care expenditure was more than Rs. 26,000,000.