Union Technique de la Mutualité (UTM)
Country of Operation
Target income level
- Bottom 20%
- Lower-middle income (20-40%)
- Middle-income (40-60%)
SummaryUnion Technique de la Mutualité (UTM) is a network of Mutual Health Organizations (MHOs) that provide community health insurance to their members.
Key program components
The UTM was created in 1998 to be an apex structure providing support to new and existing MHOs. In the early 2000s, UTM developed the standard Voluntary Mutual Health Insurance (or simply the VMHI). MHOs have the choice of adopting either this VMHI plan, through which most of the administration of the schema is performed by the apex, or an à la carte health insurance (HI) plan, adapted to the needs of the members of the MHO, but for which the administration falls largely on the MHO's shoulders.
Although the administration of the VMHI is delegated by the MHO to a special unit at the UTM, the residual risk related of the VMHI plan just as that of the à la carte HI plans is born mutually by members of the individual MHOs that adopt it (not the UTM).
The VMHI and HI also differ in terms of the type of risk and the amount covered. As of the end of 2005, there were 32 MHOs in the Malian network, with about 40,000 beneficiaries, covering all services offered in public health institutions for which patients must make a co-payment. The insurance typically covers between 60%-75% of this co-payment and members pay a premium that ranges between US$2.20 and US$11.00 per year for this coverage.