Sajida Foundation is a Bangladeshi NGO that works to improve health outcomes among the country's poor through diversified social development interventions in order to help reach national and international targets for health.
CARE India Microinsurance
CARE India Microinsurance
Not-for-profit
Year launched: 2008Existing or expanding (post-pilot)
Country of Operation
India
Target geography
Target Population
Health focus
- Secondary/tertiary care
Summary
The health insurance scheme uses both a mutual model and a partner-agent model. Of the total premium, 65% will go to the pool, while 35% will go to Bajaj Allianz General Insurance Company.Key program components
The premium is US$8.66 (Rs 390) to cover the policyholder between the ages of 18-69 and up to three other members of the family (as of March 2008). The pool will cover up to US$111 (Rs 5,000) for claims arising from critical illness, surgeries and hospitalisation. Any claim above US$111 (Rs 5,000) will be paid by Bajaj Allianz General Insurance Company. The project partners have appointed a doctor to provide subsidised outpatient treatment to all members. The doctor also serves as a gatekeeper, recommending clients for hospitalization, to prevent misuse of funds by false referrals.
Financials
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