Community Based Social Health Insurance Programme (CBSHIP) is a form of micro health insurance, which is an overarching term for health insurance targeted to low-income people. The specific feature of CBSHIP is the community involvement in driving its setup and in its management.
Small, voluntary CBSHIP schemes are generally characterized by the following institutional design features.
Our Community Based Plan caters to the health need of the informal sector ensuring they have affordable access to quality healthcare. It is especially suitable for market, associations, clubs, artisan, groups and communities.
Community Based Social Health Insurance Programme is a non-profit making programme for a cohesive group of households/individuals or occupation-based groups. It was formed on the basis of the ethics of mutual aid and the collective pooling of health risks, in which members take part in its management.
This shall be voluntary and open to all residents (families) of the participating communities/occupation-based groups (including retirees). The family or individual members shall be the unit of registration. In order to achieve a critical pool of funds to ensure financial viability, as well as to address the problem of adverse selection, communities/occupation-based groups shall have at least 50% of members willing to participate (or a minimum of 1000 members).
Registration of enrollees shall be by technical facilitators or BOTs. Each programme shall have a clearly defined procedure for registering enrollees as well as a form of identification (such as membership card) to assist in the identification of scheme members.
The benefit package shall reflect preventive, promotive and curative components of health care delivery. It shall aim at minimum primary and secondary curative care, taking into cognizance the prevailing local morbidity and mortality profile, including pre- & post-natal care, normal delivery, child welfare services (including immunization), family planning and health education services.
This shall be actuarially determined flat rate fee per household/individual household member or member of an occupation based group and paid in cash monthly or seasonally in advance.
Project managers may seek for donations/grants by way of formal launching/fund-raising events, or by targeting individuals, governmental and Civil Society Organizations, including private companies, with the aim to boost the financial base of this scheme.
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