Taking health to the people:comprehensive poverty reduction         Shameran Abed             BRAC        November 14, 201...
BRAC in 30 seconds• Founded in: Bangladesh, 1972• Program coverage: 136 million worldwide  (110m in Bangladesh)• Working i...
Holistic Approach                    www.brac.net
1970s: Health and poverty                            www.brac.net
Health delivery for the poor                               www.brac.net
Oral Re-hydration Therapy                            www.brac.net
Tuberculosis               www.brac.net
Health Workers                 www.brac.net
Health Forum               www.brac.net
Reducing maternal, child, and neonatal mortality                      www.brac.net
2011: Health and poverty                           www.brac.net
Why Health Insurance?• Expenditure on health as % of GDP - 3.4• Government expenditure as % of total exp. on  health - 31•...
In the Absence of                Health InsuranceThere are significant health costs:- Not seeking healthcare when needed- ...
Challenges• Is it possible to provide value for money  and still make it viable?• Supply side weaknesses• Poor renewal rat...
Opportunities• Leverage extensive distribution network of  MFIs to offer health insurance at low-cost• Provide an addition...
Thank You            www.brac.net
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Shameran Abed, Why Integrating Microfinance, Health Education, and Other Forms of Health Protection

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Shameran Abed, Why Integrating Microfinance, Health Education, and Other Forms of Health Protection

  1. 1. Taking health to the people:comprehensive poverty reduction Shameran Abed BRAC November 14, 2011 www.brac.net
  2. 2. BRAC in 30 seconds• Founded in: Bangladesh, 1972• Program coverage: 136 million worldwide (110m in Bangladesh)• Working in: 10 countries• Bangladesh budget (2010): US$ 495 million• Self generated: 71%• Health budget as %: <10 www.brac.net
  3. 3. Holistic Approach www.brac.net
  4. 4. 1970s: Health and poverty www.brac.net
  5. 5. Health delivery for the poor www.brac.net
  6. 6. Oral Re-hydration Therapy www.brac.net
  7. 7. Tuberculosis www.brac.net
  8. 8. Health Workers www.brac.net
  9. 9. Health Forum www.brac.net
  10. 10. Reducing maternal, child, and neonatal mortality www.brac.net
  11. 11. 2011: Health and poverty www.brac.net
  12. 12. Why Health Insurance?• Expenditure on health as % of GDP - 3.4• Government expenditure as % of total exp. on health - 31• Out-of-pocket spending as % of total exp. on health - 58.9• Out-of-pocket spending as % of private expenditure on health - 86 Source: WHO 2007 and ILO 2007 www.brac.net
  13. 13. In the Absence of Health InsuranceThere are significant health costs:- Not seeking healthcare when needed- Seeking care very late (often when it is too late)- Poor quality of careAnd financial costs:- The financial shock of health expenditure could pushpeople below the poverty line- Nearly one-third of defaulters for microfinance cite healthshocks as primary reasons for defaulting on their loans www.brac.net
  14. 14. Challenges• Is it possible to provide value for money and still make it viable?• Supply side weaknesses• Poor renewal rate• Adverse selection/moral hazard www.brac.net
  15. 15. Opportunities• Leverage extensive distribution network of MFIs to offer health insurance at low-cost• Provide an additional suite of products to borrowers which will likely lead to lower default rates and better retention• Potential for integrating technology to reduce costs of delivery www.brac.net
  16. 16. Thank You www.brac.net

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