Project Funded by

SKY in a Nutshell

SKY Impact Evaluation MeetingOctober 4, 2011

Cedric Salze - GRET

SKY Objectives2 • Protect vulnerable households from health

shocks by securing their incomes and assets through the creation of a viable micro-insurance institution, which provides them with low cost access to quality- controlled health care.

• Create a sustainable local institution which can achieve this objective beyond GRET support

SKY Target Groups3

Private Insurance

Microinsurance

Middle-Income

50%

Near Poor

Poorest (30%)

Popu

latio

n

Better-Off (20%)

Partnership with Health Equity Funds

SKY Model

SKY promotes and sells insurance contract for free access in public health facilities

Contracted health structures provide care without co-

payment

Insured receive care for free within public health facilities

SKY contracts the public providers

through performance-based contracts and monitor the service

deliveredHealth facilities provide feed back to SKY

Insured pay premium for all members of the family

SKY provides feed back to Insured

Health Center

Referral Hospital

Provincial Hospital

4

5

SKY Coverage Areas

Kampot- 12 HCs- Kampot Hospital

Ang Roka- 10 HCs - 2 Hospitals

Kirivong OD with BFH- 20 HCs- 2 Hospitals

Phnom Penh- Kossamak Hosp- KSH Hosp- Samdech Euv RH- Toul kork HC- Toul svay prey HC- Pochentong RH

Koh Thom OD- 6 HCs- KT Hospital- Chey Chumnas Hosp.

Daun Keo- 15 HCs - 1 Hospital

Bati- 13 HCs- 2 Hospitals

Prey Kabass- 13 HCs- 2 Hospitals

Currently SKY contracts with:- 104 Health centers - 08 District Referral hospitals - 03 Provincial hospitals - 02 National Hospitals

OD Takhmao- 1 HC- Chey Chumnas Hospital

SKY Membership6

(August)

SKY Membership7

Distribution of members

- Urban 8%- Rural 92%

Some Key Figures8

SKY

Utilisation of Service OPD: 3 contacts/Person/yearOPD (HEF): 1,5 contacts/Person/year

IPD: 10%/yearIPD (HEF): 8%/year

Average Premium 4,5 USD/Pers/Year19 USD/Pers/Year (urban)

Technical Sustainability 100%

Margin on premium 5% (global)22% (urban)

Overall Sustainability 35%

Operation costs subsidized by donors (AFD, GIZ-Ausaid, EU)

Next Steps9 • Prepare the institutionalization of SKY in 2012

• Continue to expand the activities in Takeo, Kampot and Phnom Penh

• Improve the economic model of SKY (productivity, operation and technical cost containment,..)

• Contribute to the development of the national policy on social protection from evidence-based activities

• Last but not least… look for additonal financial partners for the coming years…

Project Funded by

SKY in a Nutshell

SKY Impact Evaluation MeetingOctober 4, 2011

Cedric Salze - GRET