Rural Support Programmes Network (RSPN), Pakistan
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  1. RSPN / Success
  2. /
  3. Components
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  5. Micro Health Insurance (MHI)

Micro Health Insurance (MHI)

MHI is a social protection measure for the most destitute and vulnerable households. The objective of the MHI is to protect these households from health shocks that may push them deeper into poverty due to large expenses commonly incurred on health.

The SUCCESS programme provides MHI with a premium of Rs. 1,000 (€ 5.88) per household and a hospitalisation coverage of Rs. 25,000 (€ 147) per year per household member to twenty-five percent of the poorest (PSC 0-12, starting from the lowest score).

Outreach

137,130

households

957,589

people insured

21,729

patients treated with MHI claim of Rs. 313 million with an overall claim to premium ratio of 75%

Impact

  • Saved the poorest in distress from overwhelming burden and pauperisation
  • Provides timely access of the services of qualified doctors for the treatments which would have been unaffordable otherwise.
  • Has helped families to save their critical assets such as livestock from being sold to pay for the healthcare expenses
  • Prevented the money borrowing from money lenders, neighbours and landlords or approaching unskilled service providers for cheaper health services