Center for Health Market Innovations (CHMI)

Programs

Zambia Universal Health Insurance

last updated May 10, 2013

Overview

Legal Status: 
Stage: 
Pilot/startup stage

Funding

Primary Source of Funding: 
Government
Additional Source(s) of Funding: 
Membership/subscription fees

Scale

Number of Clients Served: 
3,021,128 people with 1.2 million intended beneficiaries
Summary: 

The Zambia Universal Health Insurance merges three compulsory schemes already in existence: a scheme for the formal sector, medical assistance for local populations, and mutual health organizations for the informal sector.

Key program components: 

All beneficiares pay a flat fee that is subsidized by the government. The scheme offers an extensive benefits package. Outpatient care includes medical consultations, nursing care, dental care, medical imaging, laboratory tests, and minor surgery. Hospitalization and inpatient care includes the cost of a hospital stay, medical procedures, surgery and medical techniques, and transportation expenses. Maternity benefits include medical and drug costs, tests, hospitalization for pregnancy, delivery, and its effects up to week eight. Pharmaceuticals can be obtained from a list of approved drugs.

For mutuelles, benefits include preventative and promotional health including pre- and post-natal consultation, monitoring healthy infants, vaccinations, family planning, health education and sanitation. Curative care benefits include consultations, nursing care, drugs, laboratory testing, chronic diseases, malnutrition and nutrition rehabilitation.

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