What does it mean to evaulate the viability of a health micro-insurance scheme?
Top Many factors influence the viability of a health micro-insurance scheme. Viability may be evaluated on four different levels: •Administrative. Evaluation of the quality of monitoring carried out by the HMIS.•Technical. Evaluation of the ability of the HMIS to manage insurance-related risks, such as adverse selection, over-consumption (moral hazard) and over-prescription. This evaluation relates to the quality of the risk portfolio.•Functional. Evaluation of the ability of the HMIS to respect the basic insurance principle, i.e. to provide benefits in return for premiums.•Financial and economic. Evaluation of the ability of the HMIS to rely on its income to cover expenses over the long term. For further information, please refer to Health Microinsurance Schemes: Monitoring and Evaluation Guide, ILO-STEP (in French only, English forthcoming).