Pooling is a core function of health financing policy. The purpose of pooling is to spread financial risk across the population so that no individual carries the full burden of paying for health care.
To make progress towards universal health coverage, countries should increase the share of prepaid revenues in the health system, and minimise fragmentation in risk-sharing mechanisms. Establishing separate schemes for civil servants, private sector workers, and poor people are examples of fragmented risk-sharing.
Coverage can be improved by consolidating fragmented pools regardless of sources of funds.