ANGLICAN HEALTH NETWORK
MICRO- HEALTH INSURANCE PROGRAM
EXPERIENCE OF CHURCH BASED PILOT PROGRAM IN THE DIOCESE OF
DAR ES SALAAM
1.0 ANGLICAN HEALTH NETWORK
• AHN is an Anglican network aiming at facilitating communication and cooperation between Anglicans who are working in the health sector.
• Objective : To create support of specific programs to improve healthcare in the developing world.
• AHN started in May 2009.
• Head Office is in Geneva.
2.0 AHN PROGRAMS
• Micro Health Insurance - India and Diocese of Dar
• Supply of Hospital Equipment.
• Organize Volunteer services to Anglican Hospital.
3.0 MHI PILOT IN THE DIOCESE OF DAR ES SALAAM.
The pilot started September 2009.•Introductory meeting with Clergy.•Research and Product Development.•Employment of Staff.•Training.•Official launch was October 2010.•Program was closed in August 2011.
3.1 THE PACKAGE
•The Insurance was set to target very common conditions at a very affordable cost.
•Malaria,•Acute Respiratory Diseases,•Diarrhea Diseases,•Pneumonia,•Antenatal & Postnatal Care (Maternity).
3.2 THE PACKAGE continues…
•The premium was TZS 60,000 ( USD 40) per annum.
•The package covers a family of up to 5 people.
•The package was further improved to accept payment for 6 months cover for TZS 30,000/= ( USD 20).
Map – Parish and Service Providers
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11
22
33
44
55
AA
BB
CC
FF
HH
II
EELL
9988
77
66
MM
↕5 miles
PARISH SERVICE PROVIDER
1. St. Nicholaus (Ilala) Buguruni Anglican Health Center A
2. St John (Minyonyoni/kigogo) Msimbazi DispensaryB
3. St. Batholomeo (Ubungo) Edward Michau Health Center C4. All Saints (Temeke) TBD
D5. St Gabriel (Mbagala) Arafa Mbagala Kuu Dispensary E6. St Luke (Vingunguti) Yombo Dispensary F7. St James (Makuburi) TBD
G8. St Peter (Paul Mtweve) Luguruni Dispensary/Maternity Ward H9. Holy Ghost (Kimara) Msewe Health Center I10. St Michael (Tabata) TBD
J11. St James (Segrea) TBD
K12. St Paul (Ukonga) Cardinal Rugambwa Hospital
L 13. St Adrian (Kitunda) Cardinal Rugambwa
Hospital L 14. St Agnes (Vituka) Yombo Dispensary
F15. St Peters (Mbezi Luis) Luguruni Dispensary/Maternity Ward H16. (Msewe) Msewe Health Center
I17. (Kiluvya) Luguruni
Dispensary/Maternity Ward H18. St Paul (Bunju) Mbweni Hospital
N19. St Michael (Boko) Mbweni Hospital
N20. St Monica Tegeta Dispensary
OReferral Hindu Mandal Hospital
M
11
12
13
14
15
16
17
10
4.0 PARTNERS
ANGLICAN HEALTH NETWORK
(SALES )
MICROENSURE(ADMNISTRATION
& MGT OF CLAIMS)
GOLDEN CRESENTINSURER
IMANIHEALTH
INSURANCE PLAN
5.0 RESULTS
• In the period of one year we managed to achieve only 10% of the target policies.
• The claim paid was 3 times the total collections made.
6.0 CHALLENGES
• Insurance has a bad background in TZ.
• Health Insurance; new terminology.
• Many priorities in the church.
• Unfaithful customers/service providers.
7.0 CONCLUSION
• Has Micro Health Insurance service failed ?
• Can church be a vehicle for MHI distribution ?
• Does a product need to be improved ?
Thank You
Asanteni