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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


Š 2010 www.microhealthinsurance-africa.org This publication is licensed under the Creative Commons Attribution Non-Commercial Share Alike (CC-BY-NC-SA) 3.0 License http://creativecommons.org/licenses/by-sa/3.0/


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