MICRO INSURANCEMICRO INSURANCE

by by

Dr Azfar MalikDr Azfar Malik

HEALTH MICROFINANCE ,AIMHEALTH MICROFINANCE ,AIM

Achievement of level in health care Achievement of level in health care comparable to developed nationscomparable to developed nations

Increased awareness of people on HealthcareIncreased awareness of people on Healthcare Existence of good health care facilities in Existence of good health care facilities in

public and private sectorpublic and private sector Better life expectancy, universal immunizationBetter life expectancy, universal immunization

MICROINSURANCE, NEEDMICROINSURANCE, NEED

Increasing cost of healthcareIncreasing cost of healthcare Technological & Scientific advancement in Technological & Scientific advancement in

health sector not reaching poorhealth sector not reaching poor Direct relation between Poverty and ill healthDirect relation between Poverty and ill health Ill health drag the poor further to destitutionIll health drag the poor further to destitution Health Insurance an innovative answer to Health Insurance an innovative answer to

protect the poor from falling to debt trapprotect the poor from falling to debt trap

MICRINSURANCE THE SCHEMEMICRINSURANCE THE SCHEME

LIFE INSURANCELIFE INSURANCE Death of Head of family member / earning Death of Head of family member / earning

member 1 lakh 100,000member 1 lakh 100,000 Full disability of head of family 1 lakhFull disability of head of family 1 lakh Partial disability 1lakhPartial disability 1lakh

HEALTH INSURANCEHEALTH INSURANCE

Medical expenses up to 30000Medical expenses up to 30000 Covering members in age group up to 80 yearsCovering members in age group up to 80 years Coverage for all pre existing conditionsCoverage for all pre existing conditions Maternity benefits up to limit of 15000Maternity benefits up to limit of 15000 Pre and post hospitalization treatmentPre and post hospitalization treatment Rs 100 Transportation cost to hospital by Rs 100 Transportation cost to hospital by

Ambulance / any other means, cap limit up to 1000 Ambulance / any other means, cap limit up to 1000 per annumper annum

Selected Panel hospitals with ward entitlement onlySelected Panel hospitals with ward entitlement only

PremiumPremium

Rs 1000 per annumRs 1000 per annum Premium may also be paid in the form of Premium may also be paid in the form of

wheat, vegetables ,goat cow etcwheat, vegetables ,goat cow etc In special cases facility of monthly In special cases facility of monthly

installmentsinstallments