Health financing for universal coverage

Community based health insurance (CBHI)

Diabetes in Lagos
WHO

Community-Based Health Insurance (CBHI) schemes exist in many countries around the world. Evidence shows that the relatively small numbers of people insured under these schemes have experienced some improved access to health services. However, the contribution of CBHIs to universal health coverage (UHC) remains limited; they largely remain small funding pools with limited benefits and therefore provide limited protection against the financial consequences of illness.

From a system perspective, the proliferation of small-scale schemes has added to the fragmentation and the lack of coherence of health financing systems at country level.