Incentives in Community-based Health Insurance Schemes

by F. Markus Kaiser (Author)
Thesis 110 Pages


The author presents a promising tool to increase the coverage rate of community-based health insurance schemes (CBHI) and access to medical care for poor population groups in developing countries. He addresses a key problem of CBHI: Authorities cannot sanction non-members and membership cannot be enforced. Therefore, it is proposed to award membership by offering incentives such as raffle participation for joining a CBHI. This approach attracts new members and can be a motivation to continue membership payments of healthy insurance members. The results of an ex-ante demand analysis conducted in the Philippines are promising. More than 80 % of the respondents would like to participate in the raffle and would even agree to higher premium payments covering additional costs of the raffle.


ISBN (Softcover)
Frankfurt am Main, Berlin, Bern, Bruxelles, New York, Oxford, Wien, 2004. 109 pp., num. tables and graphs

Biographical notes

F. Markus Kaiser (Author)

The Author: F. Markus Kaiser studied Health Sciences and Political Science in Kiel, Bielefeld and Oslo. He currently works for the AVRDC – The World Vegetable Center, Tainan (Taiwan) as a Grant Development Coordinator.


Title: Incentives in Community-based Health Insurance Schemes