Center for Health Market Innovations (CHMI)

Programs

Sokapheap Krousat Yeugn (SKY) Micro-Health Insurance

last updated Oct 28, 2011

Overview

Implementing organization: 
Groupe de Recherche et d’Echanges Technologiques (GRET)
Implementation Partner(s): 
ILO, WHO, Garment Manufacturers Association in Cambodia (GMAC), Ministry of Health of Cambodia
Legal Status: 
Private (not-for-profit)
Year Launched: 
2007
Stage: 
Existing/expansion stage
Income Level of Target Population: 
Bottom 20%, 20-60% (lower to lower-middle)

Funding

Primary Source of Funding: 
Donor
Funders: 
French Aid Agency

Scale

Number of Clients Served: 
15,500 members in April 2008
Summary: 

SKY (“Sokapheap Krousat Yeugn,” “Insurance for our Families” in Khmer) is an innovative micro-health insurance program for the rural poor in Cambodia. SKY was created by the Groupe de Recherche et d’Echanges Technologiques (GRET), a French NGO and was the first implementer of Social Health Insurance in Cambodia. SKY seeks to improve the health of Cambodians by providing affordable and accessible Social Health Insurance and quality care.

Key program components: 

For a fixed monthly premium, SKY offers households free and unlimited primary and emergency care at local health centres. One of SKY’s primary goals is to enable families to cover health costs without risking impoverishment. In regions where it operates, SKY typically represents the only health insurance option available.

SKY contracts directly with Cambodia’s public health system, which primarily has three levels of healthcare facilities: Provincial-level hospitals, smaller Operational District (OD) Referral Hospitals, and community Health Centres. Each Health Centre serves several villages, around 13,500 people on average. Public facilities suffer from low utilization.

SKY also makes an effort to improve the quality of health care delivered by these facilities. It hires Member Facilitators (MFs) to collect premiums, monitor facilities, conduct surveys, and manage client complaints. In addition, prepayment of health services provides some funding for the health centers to buy supplies.

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