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Benin, Africa

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INSURANCE COMPANIES LOGOS IN BENIN. FLAG OF BENIN
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FINANCING OF HEALTH CARE IN BENIN: THE ROLE OF HEALTH INSURANCE

​Conclusion and Recommendations
After this study, we can say that health insurance is a recent phenomenon in this country, which is born of the catastrophic consequences of excessive use of direct payment as a health financing.

Health insurance services are offered by commercial insurance companies, health micro-insurance structures and by public authorities. Adherents of commercial insurance companies are relatively well off: high income self-employed, some senior civil servants, employees of large enterprises in the formal sector.

The clientele of health microinsurance structures that are non-governmental organizations consists of economic agents in the informal sector. The microinsurance sector experienced uncontrolled development in numerical terms, coupled with very low membership rate and works like a nebula because of shortcomings, the lack and inadequate regulatory capacity.

The universal health insurance involves a method of taxing employers and employees to create a health insurance fund.
This fund is used to pay for services provided by health care providers with contracts in collaboration with the regime. But because of the low salary levels in Benin, this could increase the burden of certain sections of the workers. The poverty of the tax system, higher percentage of workers in the informal sector and the high rate of unemployment are all factors that will act negatively on the amount of resources collected. However, there is a minor role that private health insurance could play.
Given the results, the following recommendations are made for a better development of health insurance and contribution to better access to health services:

Bring a regulatory amendment to the CIMA insurance code to integrate micro-insurance, or create a special code (clear regulatory framework) for 82 Council of Economic Analysis of mutuality so that the business grows on a statutory basis;
– Entrusting the regulation of micro-assurance to the National Insurance Department;
– Create a guarantee fund for micro-insurance operations financed by micro-insurance companies in the interest and the credibility of the microinsurance industry;
– Involve brokers in microinsurance operations.

Benin, Africa – World Insurance Companies Logos

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