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 Presentation Transcript

  • 1. Taking health to the people:comprehensive poverty reduction Shameran Abed BRAC November 14, 2011 www.brac.net
  • 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. Holistic Approach www.brac.net
  • 4. 1970s: Health and poverty www.brac.net
  • 5. Health delivery for the poor www.brac.net
  • 6. Oral Re-hydration Therapy www.brac.net
  • 7. Tuberculosis www.brac.net
  • 8. Health Workers www.brac.net
  • 9. Health Forum www.brac.net
  • 10. Reducing maternal, child, and neonatal mortality www.brac.net
  • 11. 2011: Health and poverty www.brac.net
  • 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. 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. 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. 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. Thank You www.brac.net