Migration & Microinsurance• Migrant workers and their families face various barriers

to access health services and social protection.

• Needs/products/models• Repatriation, accidents & death, health

• Home/host/hybrid models

• Initial lessons drawn from international experiences• Legal and regulatory constraints• Marketing target : migrants or family members?• Migrant workers’ status • Partner selection: key role of diaspora associations • Financial literacy and consumer education for migrant family

members

• Health microinsurance: few experiences/ operational challenges

Health micro insurance for family members in Senegal (feasibility study) – main lessons learned

CHALLENGES OPPORTUNITIES

Number of dependants Priority for 76% of interviewees (family members)

Contribution capacities are limited Remittances are regular & significant

Diaspora mobilisation Involvement of diaspora association & migrants’ families

TrustTransparency & Sound management

- Migrants & local communities’ involvement in a Supervisory board

- Data & risk management delegated to professionals

- Progressive development

To create new structures (mutual/associations)

Link with national social security scheme

Coverage of families with no members in the family being a migrant worker

Possible to include them in a 2nd phase

Quality of health care services To improve access to health services

Key to stimulate

contribution

Thank you for your attention !

Samia Kazi AoulInternational Migration Branch

BIT Genève+41- 22-799 7182

kaziaoul@ilo.orghttp://www.ilo.org