Center for Health Market Innovations (CHMI)

Programs

Jowar Arogya Yojana Microinsurance

last updated Jun 14, 2012

Overview

Implementing organization: 
Kasturba Hospital
Legal Status: 
Private (not-for-profit)
Year Launched: 
1978
Stage: 
Existing/expansion stage
Income Level of Target Population: 
Bottom 20%

Funding

Primary Source of Funding: 
In-kind contributions

Scale

Number of Clients Served: 
14,390 as of mid 2002
Summary: 

Jowar Arogya Yojana is a microinsurance product offered by Kasturba Hospital based on a group policy that covers the entire family.

Key program components: 

The scheme covers the cost of drugs for the village and transportation costs of the mobile health team and honorarium of the village health worker. Subscribers are entitled to free primary health care and subsidized referral care. Katsurba Hospital offers free inpatient treatment for unexpected illness to a person who is part of the scheme. Patients with anticipated health needs (i.e. pregnancy) receive a 75 % subsidy. Outpatient health services are made available at 50 % subsidized charges. Whatever balance remains in the community fund gets converted into a village fund to be used for village development activities.

Premium payments can be made in-kind in the form of grain such as Jowar-Sorgam at the harvest time. The grain is collected at harvest time by village health workers to contribute to village fund (as of 2005).

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