Skip to main content

Table 4 Health financing benchmarking matrix

From: Assessing the feasibility and appropriateness of introducing a national health insurance scheme in Malawi

Health financing objective

Reform scenarios

MOH

NHI

Purchaser

Technical efficiency

No change expected, potential improvements depending on the outcomes of decentralization and hospital autonomy reforms

Potential improvements associated with more efficient purchasing e.g. improved treatment protocols, better financial management

Potential improvements associated with more efficient purchasing e.g. improved treatment protocols, better financial management

Equity

Improvement dependent on national rollout of national ID

User fees likely necessary to incentivize enrolment – reduction in access for poor because of dysfunctional targeting and identification systems in place. Potential improvements in service quality.

Potential improvements in service quality

Financial risk protection

No change expected

Depends on the introduction of user-fees and on the effectiveness of the identification of poor people and of the enrolment of informal sector populations; potential improvement through decreased reliance on informal payments

No direct impact; in the longer term, it can reduce providers’ reliance on user fees and informal payments

Policy coordination and resource allocation process

Depends on implementation of upcoming reforms e.g. revised EHP

Opportunities and challenges, outcome dependant on strengthening MOH stewardship position

Opportunities and challenges, outcome dependant on strengthening MOH stewardship position

Health outcomes

No change expected

Can improve outcomes through enforcement of standards of care and appropriate provider payment mechanisms

Can improve outcomes through enforcement of standards of care and appropriate provider payment mechanisms

Revenue mobilisation

Widening funding gap

Potential savings due to improved contracting + additional revenue from premium collection, partially offset by higher administration costs

No additional revenue collection mechanism, but potential savings due to improved contracting