Successfully reported this slideshow.

Shepherd Tamilnadu, India

1

Share

Upcoming SlideShare
Organizational Conflict
Organizational Conflict
Loading in …3
×
7 of 28
7 of 28

More Related Content

More from ICMIF Microinsurance

Related Books

Free with a 14 day trial from Scribd

See all

Related Audiobooks

Free with a 14 day trial from Scribd

See all

Shepherd Tamilnadu, India

  1. 1. SHEPHERD –TAMILNADU, INDIAAugust 2014
  2. 2. AOACONFERENCESRI LANKA26THAUGUST 2014
  3. 3. Shepherd is a Social Development Organization Working with 70,000 low income families in 7 districts of central Tamilnadu, India, working with women (only)
  4. 4. Promoted 4865 Surabhis (SHG) Providing services like Savings Credit Health initiatives Micro insurance (Life & Health package) Community Health Mutual Livelihood Promotion
  5. 5. Surabhi (SHG) Meeting
  6. 6. Micro insurance started in the year 1999 because: -Six women from surabhidied naturally with in one year. -700 huts were burnt in communal riots. -40% of internal loans from surabhihad been spent for “curative” purposes.
  7. 7. Health Security: Three Attributes. 1. Prevention –Medical Camps2. Protection -Micro / Mutual health insurance3. Promotion –Health Education
  8. 8. WHY ?
  9. 9. Issues in Health Insurance Poor women are asking refund of premium, when there is no claim Poor people don’t know where to take treatment (hospital) during emergency. Poor don’t have adequate money to pay as advance for treatment in hospitals Insurance companies are asking all original reports and bills from hospitals
  10. 10. Bureaucratic approach (Top down) Unable to get full pledged medical reports with bills from some hospitals. Poor women also don’t know how to collect all reports The choice of hospital left with poor people?? Delay in claim settlement by insurance companies more than 50 days No fund for operational cost Unsettled amount goes to ins. Company corpus Un willingness of ins. Company to do rural micro insurance (life & health)
  11. 11. HOW ?
  12. 12. Health Education -TOT
  13. 13. Health Education
  14. 14. Health Conferences
  15. 15. Community Mutual Community mutual is an initiative by women leaders of Surabhi(SHG) Objectives: To share their knowledge, experiences and best practices in order to provide quality health care services to the poorest sections of the society in a professional manner there by improving the overall efficiency of health care delivery system.
  16. 16. Shepherd is promoting community based Health mutual fund The contribution (Premium) divided in to 3 parts 60% towards benefit (claim) 20% for operating cost 20% for Benefit (claim) reserve
  17. 17. Community Mutual Committee
  18. 18. Social Protection Committee consists of women leaders Initially we work with surabhi (SHG)women on Health Doctors are working as advisory group to the claim (benefit) committee.
  19. 19. Operational Coverage YEAR ENROLMENT CONTRIBUTION RS. NO OF CLAIMS BENEFIT AMOUNT RS. 2011-12 3250 4,06,250 32 1,16,954 2012-13 5704 7,13,000 17 68,776 2013-14 2881 3,60,125 28 57,858 TOTAL 11,835 14,79,375 77 2,43,588
  20. 20. RATIO’S Average claim ratio –27.4% Average enrollment No.–3,945 Claim rejection ratio –12% Renewal rate –51% OSS –82.1%
  21. 21. Impact Claim settlement duration reduced Timely assistance for post treatment services Women are willing to take early treatment of disease Moving towards self management approach (cost coverage)
  22. 22. Health Camp
  23. 23. Health education created good awareness on primary and secondary care Transparent operation system fund managed by women leaders (Self –reliance) Mutual health insurance provide timely support to women borrowers
  24. 24. Limitations Still willingness level is low TN state Govt.’s free health insurance up to Rs.1,00,000 (US$ 1666) / family / year ??? Regulator is not considering people’s initiatives (Mutual) NGO’s/ MFIsare reluctant to do health mutual (complications & paper work) Yet to reach operational self sufficiency
  25. 25. Way forward Keen to upscale at least 20000 families / year Establishing mutual as core programe Sensitization of government officials towards people’s initiatives (Regulations) Capacity building of women staff Networking among NGO/MFIsfor larger coverage
  26. 26. Health Education Posters
  27. 27. THANK YOU……. E-mail: shepherddevorg@gmail.com

×