Increasing Resilience through Hospitalization Coverage: Case Studies from the Middle East and Africa

SEEP Conference 2015

Washington DC

10 years

Working in 7 markets

Over 400,000 clients covered and growing

Why did Women's World Banking get involved in

health?

► Important for women

► Equally relevant in different contexts

Mexico Jordan

Universal health coverage

Morocco Peru

Limited public coverage

Uganda

No public coverage

HIDDEN COSTS: NON-MEDICAL

COSTS

MEDICAL COSTS

• Admission • Medication• Hospital materials• Scans• Treatment and surgery, if applicable• Bribes

• Lost income for patient and caregiver(s)

• Transportation• Food for patient and

caregiver(s)• Accommodation• Incidentals

8

Hospital cash = peace of mind& resilience

► Simple and easy to implement

► Relevant: significant and meaningful coverage

► Access for all, especially women

► Affordable premium

Our journey in Jordan

Research

Credit life insurance for client

Life cover for

spouses

Health cover for clients & families

video

EXPANSION

Latin America

Mexico &

Peru MENA

Morocco & Egypt

SSA

Uganda

Sneak peek: Morocco

► More beneficiaries: Women, men and families from inception

► More benefits: ‘hospital cash plus’ including coverage for hospitalization, childbirth and death

► Larger scale: 300,000 client base with mandatory coverage

14

TAYSSIR AL AMANA

Premium: $1-3 per month

Benefits:Hospitalization: $50-520 per stay

Childbirth: $30 giftDeath: $200

Disability: $100Diagnosis of Critical Illness: $100