Why Combine Health and Financial Services? An Introduction to Health Education, Health Financing, Healthcare Linkages and Health

Micro-insurance

Four Approaches to Health Protection Developed by MFIs in Response to

Clients’ Needs

4 Diverse Regions,

4 Different Examples of Health Packages

Movimiento Manuela Ramos - Peru• WASH education• Special loans for

water/ sanitation products

• Linkages with water/ sanitation vendors

Vaagdhara - India

• Nutrition education• Savings for income

generating activities, healthy foods and health services

• Linkages with ICDS Centers, Health Providers

• Agriculture and kitchen gardens training and support

CARD - Philippines

• Maternal health education

• Community Health Fairs

• Linkages with health providers

• Health loans and partnership with PhilHealth

APHEDD and FADeC - Benin

• Health education• Health savings and

loans• Linkages public and

private health providers

Health Education: An Essential Foundation and Key Approach• Health education: mechanism to share

information and promote related health products and services to improve knowledge and behavior

• Different methodologies to fit the needs of clients and skills of facilitators - TLCs (Technical Learning Conversations) - PLCs (Pictorial Learning Conversations)

• Group Participates in PLC Session

Coffee/ Tea Break

Health Services Can Create Net Benefits for MFIs

Income-generating health services Health education (in conjunction with village banking) Health loans• Health savings (potentially)

Health micro-insurance premium loans Health product distribution

Non-income-generating health services Health education (parallel approach) Linkages to health providers

• Opportunity to reach larger segment of population

• Increase market share• More dependable income flow

Health Care

Providers• Low cost• Competitive advantage• Improved client financial protection

and health• Social mission

Financial Institutio

n • Improved health care knowledge

and behaviors• More access to health providers and

products• Greater financial protection

FI Members

and Families

• Improved health care knowledge and behaviors

• More access to health providers and products

Community

Where’s the Evidence? …Proven Impact

12

Goal Organization ResultImproved knowledge for behavior change to prevent and manage illness

Bandhan, India (health education)

•Significant improvements in knowledge and behaviors for breastfeeding, diarrhea mgmt, and child feeding

Ability to access appropriate care

CRECER, Bolivia; (health fairs)

•24% receiving health service never had medical care before

Ability to finance health services

Bandhan, India (health loans)

CARD, Philippines (health insurance)

RCPB, Burkina Faso (health savings, loans)

• 33% would have delayed treatment without the loan • 62% felt able to afford other necessities (food, education) •Value of insurance to offset costs•Increased use of primary care

And changes can be sustained…

CharacteristicPre-Test%

Post-Test 1*%

Post-Test 2*%

Knew a child should be breastfed “immediately” or “within 1 hour” of birth

71 97+++ 92^^^

Knew a child should be exclusively breastfed for 6 months

75 92+++ 97^^^

Knew one should add oil, protein or vegetables to first foods for baby in order to make them more nutritious

93 96 98^^

*Significant difference between pre-test cohort and post-test 1 cohort: + p < 0.05, ++ p<0.01, +++ p< 0.001*Significant difference between pre-test cohort and post-test 2 cohort: ^ p < 0.05, ^^ p<0.01, ^^^ p< 0.001

What’s next for today?

• Health promotion networking and Community of Practice

• Lunch• Health Outcome performance indicators• Sharing of experiences• Action planning • Closing and evaluation

Cassie ChandlerGlobal Manager, Microfinance and Health Protectioncchandler@freedomfromhunger.org

www.freedomfromhunger.org