One Dollar Health Insurance: How to Engage Health Insurances to Provide a Protective Product and Get Profits
Claude Sekabaraga
Nov 2018 · Lantern Audio · Narrated by Brian Troxell
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Audiobook
46 min
Unabridged
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Eligible
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About this audiobook
This book contains a health insurance model that aims to provide affordable premiums for low-income populations in countries with different levels of development and economy. In many situations, low-income people work hardly to come up from poverty and become sick accidently. Despite all their efforts, all the investments they have suffered to acquire are spent to cover medical treatments. When reviewing why health insurance does not cover those with a low income, the high level of premiums is ranked as the main reason. The economy of scale boosts businesses constructed with lower prices to obtain many clients. In business, a low price is far from enough. The quality of a product or service is equally or even more important. Quality in health insurance means many things, but an essential parameter is the benefits package of the healthcare services covered. The idea of the model is to say, “Let us focusing on a limited number of expensive healthcare services, as the prevalence is usually low and cost sharing should work. The proposed attractive benefits include major surgeries, complicated birth deliveries, and cancer treatment. The services include medical consultations, diagnostic exams and drugs. To make the model more attractive and sustainable, the quality and efficiency of healthcare services and the efficiency of the health insurance administration were added. The model is proposed as a profitable social business that aims to attract investments for the reduction or prevention of the impoverishment of low-income populations due to expensive healthcare services.
About the author
Claude Sekabaraga is a medical doctor with a masters in public health and development. He worked for the Rwanda Ministry of health as Director of Health Services for 5 years and as Director of Planning, Policy and Capacity Building for 4 years. He also worked for the World Bank for 4 years. He created his own company (Quality & Equity Healthcare) from 2013 and does consultancies for policy development, especially in health financing and human resources for health.
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