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http://publications.milliman.com/research/health-rr/pdfs/health-microinsurance-healthcare- incidence.pdf [Accessed 24 August 2011]. National Bureau of Statistics (NBS) Tanzania (2011) Tanzania Demographic and Health Survey 2010. NBS, Dar es Salaam and ICF Macro, Maryland. Available at: http://www.nbs.go.tz/pdf/2010TDHS.pdf [Accessed 24 August 2011] National Statistics Office (NSO) Philippines (2009) Philippines National Demographic and Health Survey 2008. NSO, Manila and ICF Macro, Maryland. Available at: http://www.measuredhs.com/pubs/pdf/SR175/SR175.pdf [Accessed 24 August 2011] National Statistics Office (NSO) Philippines (2011) Families in the bottom 30% Income group earned 62,000 pesos in 2009. NSO Press Release 4 February 2011. NSO, Manila. Tanzania National Website (n.d.) Tanzania Population Projections (1989 -2025). Available at: http://www.tanzania.go.tz/populationf.html [Accessed 24 August 2011] The Actuarial Education Company (2010) Specialist Technical Subject for Health Insurance (ST1) Course Notes. The Actuarial Education Company on behalf of the Institute and Faculty of Actuaries. The World Bank (2010) 2010 World Development Indicators, Section 2, People. The World Bank, Washington D.C. Available at http://data.worldbank.org/sites/default/files/section2.pdf [Accessed 24 August 2011] Wipf, J., and Garand, D. (2006) Pricing microinsurance products. In: Churchill, C., ed. (2006) Protecting the Poor: A microinsurance compendium. International Labour Organisa- tion/Munich Re Foundation/CGAP Working Group on Microinsurance, Geneva. Chapter 3.1. Available at: http://www.munichre-foundation.org/NR/rdonlyres/52FA02DB-B6A4-4DEB- 8149-5A64B64D6A68/0/ProtectingthepoorAmicroinsurancecompendiumFullBook.pdf [Ac- cessed 24 August 2011]. Wipf, J., Liber, D., and Churchill, C. (2006) Product design and insurance risk management. In: Churchill, C., ed. (2006) Protecting the Poor: A microinsurance compendium. International Labour Organisation/Munich Re Foundation/CGAP Working Group on Microinsurance, Ge- neva. Chapter 3.1. Available at: http://www.munichre- foundation.org/NR/rdonlyres/52FA02DB-B6A4-4DEB-8149- 5A64B64D6A68/0/ProtectingthepoorAmicroinsurancecompendiumFullBook.pdf [Accessed 24 August 2011]. - 36 -
Appendix I – Data and assumptions used in pricing the schemes 1. KNCU Health Plan Table 7. Outpatient Disease Cases Disease Number of Cases 2006 2004 Malaria 15,362,094 10,859,524 Acute Respiratory Infections 5,644,171 4,004,162 Pneumonia 3,076,769 1,592,722 Diarrhoea 2,450,008 1,694,167 Intestinal Worms 1,555,725 1,405,082 Eye Infections 1,036,786 687,440 Skin Infections 1,049,648 474,723 Ear Infections 585,969 225,440 Anaemia 656,593 467,570 Urinary Tract Infections 983,920 304,184 Minor Surgical Conditions 1,087,344 364,585 Undiagnosed 870,339 967,380 Fungal Infection 403,811 151,510 Gastrointestinal Disease 328,823 42,360 Pelvic Inflammatory Disease 306,165 348,070 Genital Discharge Syndrome 302,626 180,338 Genital Ulcer Disease 218,412 324,922 Malnutrition 174,428 61,968 Burns 135,730 44,994 Asthma 348,869 173,596 Skin disease 137,817 84,746 Neuroses 51,518 23,912 Psychoses 29,086 14,729 Sexually Transmitted Infections 51,199 17,194 Eye Disease 77,707 47,193 Nutritional disorders 75,240 111,796 Schistosomiasis 183,394 82,177 Oral disorders 244,762 606,129 Poisoning 99,456 486,736 Epilepsy 141,974 199,813 Dental Caries 199,087 31,687 Periodontal Disease 24,921 30,147 Cardiovascular Hypertension 141,422 40,607 Cardiovascular Disease 81,787 191,021 Tuberculosis 157,670 12,596 Peptic Ulcers 22,245 17,958 Typanosomiasis 59,988 - HIV/AIDS 46,495 22,323 Diabetes 18,974 14,085 Thyroid Diseases 17,132 57,805 Leprosy 32,575 38,368 Vitamin A deficiency 15,215 50,418 - 37 -
Page 1 and 2: Application of Standard Actuarial P
Page 3 and 4: Abstract Microinsurance is growing
Page 5 and 6: 5.1.2 Philippines Cash Plan .......
Page 7 and 8: 1 Introduction 1.1 Aim The aim of t
Page 9 and 10: 1.4 Actuarial Pricing Techniques Ac
Page 11 and 12: 2 Health Microinsurance Schemes Thi
Page 13 and 14: 2.1.3 HMIS Regulatory Environment A
Page 15 and 16: The borrower must be between the ag
Page 17 and 18: 3. Choosing an appropriate pricing
Page 19 and 20: product from which the data is bein
Page 21 and 22: Industry data tends to be unavailab
Page 23 and 24: The only sequential data that was f
Page 25 and 26: 5.1.1 KNCU Health Plan The 2006 out
Page 27 and 28: assumptions are subject to more unc
Page 29 and 30: 6 The Pricing Model This chapter de
Page 31 and 32: enewable. The cashflow approach cou
Page 33 and 34: 6.5 Office Premium Calculation The
Page 35 and 36: assumptions in the model used by Mi
Page 37 and 38: The main items of expense are staff
Page 39 and 40: 8.2 Outlook As actuaries become mor
Page 41: http://www.plosmedicine.org/article
Page 45 and 46: Proportion of married women that us
Page 47 and 48: PRENATAL CARE and DELIVERY Antenata
Page 49 and 50: 2. Philippines Hospital Cash Plan T

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