wissenschaftliche Leitung: Dr. Gerald Leppert, Pro MHI Africa, Kรถln www.microhealthinsurance-africa.org Visualisierungen: Philipp Heinlein, Bozen www.pheinlein.wordpress.com
Dokumentation einer Serie von Visualisierungen zum Thema Mikrokrankenversicherungen für Afrika. Diese Arbeit entstand im Auftrag des Projektes Pro MHI Afrika am Seinar für Genossenschaftswesen, Universität Köln von Januar – Juni 2010. Die Visualisierungen sind Teil eines Universitätskurses zum Thema, der im Rahmen des Projektes erstellt wurde.
microfinancial system
microinsurance microcredit cash transfers & remittances microleasing microsavings
low risk population
high risk population contribution
risk pooling
transfer
utilisation
risk structure
att
rib
ute
s
probability predictability correlation extension (time, scale, scope) severity
causes
risk
e
typ
natural environmental health life-cycle economic social political
universal categorial incidential
microinsurance products easy
complex
credit life term life / personal accident savings life property insurance endowment life health insurance agriculture
types of microinsurance
insured = insurer (identity)
non-profit
mutual model
insured ≠insurer
benevolent insurer
provider model
partner-agent model
for profit
commercial insurer with direct sales
types of microinsurance (players)
mutual model (health care)
mutual model (allgemein)
clients / members health care provider
premium treatment costs
insurance
clients / members
premium
insurance benefit
insurance
health care service
clients
health care provider
premium
nc
e
insura
health care service
provider model (health care)
clients
provider
nc
e
premium
a ur ins insurance benefit
provider model (allgemein)
insurer
health care provider
payment
insurance
premium
care
client
claims model: third-party payment
health care provider / insurer
client
care
premium
insurance
claims model: internal transaction
insurer
client
reimbursement
premium
health care provider
payment (out of pocket)
care
insurance
claims model: reimbursement
unit surplus unit operating costs safety loading event frequency per person Ă— average unit cost
premium calculation
Total premium Pure premium
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