Sokapheap Krousat Yeugn (SKY) Micro-Health Insurance
Country of Operation
- Groupe de Recherche et d’Echanges Technologiques (GRET)Not-for-profit
Target income level
- Bottom 20%
- Lower-middle income (20-40%)
- Middle-income (40-60%)
SummarySKY, “Sokapheap Krousat Yeugn,” is an innovative micro-health insurance program for the rural poor in Cambodia. SKY seeks to improve the health of Cambodians by providing affordable and accessible Social Health Insurance and quality care.
One of SKY’s primary goals is to enable families to cover health costs without risking impoverishment. SKY is also t is trying to shift rural Cambodians from unregulated private providers and drug sellers to the public system and to reduce expensive private 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.