Management Development Program
Micro health insurance in Developing Economies
“Poor’s access to affordable and quality health care”
Venue: Goa, India
06-08, December 2013
The Goa Institute of Management (GIM) has been rated amongst the top business schools in
the country and boasts of some of the best faculty in Asia with doctorates from Harvard,
Cornell, Leuven, IIM Ahmedabad & other world-class institutions. Having identified
Healthcare Management as a priority sector, GIM has been engaged in research in various
aspects of healthcare management and has published many international journal articles,
books, and numerous cases studies.
GIM as an institution is dedicated to enhancement in standards of health through better
strategic management of health care and related programmes. We seek to accomplish this
through management education, training, research, consultation and institutional networking
in a national and global perspective. GIM has been imparting training on the current areas of
interest to healthcare executives through Management Development Programs (MDPs),
customized in-house programmes and consultancy. The programs are designed to provide
innovative and practical solutions to critical management challenges. For more information
please visit our websitewww.gim.ac.in
The Health insurance for poor people in the form of Micro health insurance has emerged as
a pathway to break the vicious circle of poverty in developing countries. Economists and
policy analysts oppose micro health insurance on the grounds of the inherited feature of
moral hazards in the insurance sector. Health security is increasingly being recognized as
integral to any poverty eradication plan. Health risks probably pose the greatest threat to lives
and livelihoods of poor households. Typically, when a poor household experiences a health
shock, their medical expenses rise and their contribution to household income and routine
household expenditure declines.
Approximately 150 million people around the world experience financial catastrophe i.e. they
are forced to spend more than 40% of their available income available on health care, after
meeting their basic needs. This low (nil) income and high medical expenses can also lead to
debt, sale of assets, and removal of children from school in the poorest families. Thus, a short-
term health shock can contribute to long term poverty. Due to scarcity and low income, these
households generally avoid high value care and often opt for low quality healthcare, which
further leads to even poorer health outcomes and poverty.
Health insurance for poor people, in the form of micro health insurance, has addressed some
of these problems in various developing countries. By covering the cost of care after a health
shock, health insurance cover does help to smooth consumption, reduce asset sales and
reduce new debts, increase the quantity and quality of care sought, and to improve health
outcomes. But at the same time, while opting for micro health insurance, one has to consider
the causal effects of health insurance on health outcomes.
The Goa Institute of Management, Goa has designed a Management Development
Programme to strengthen managerial competencies of professionals in healthcare
organizations by: Analysing the development of health insurance and managed care, both in
theory and in practice and providing an emphasis on critical assessment of current and future
policy options and issues. The programme will lead to useful discussions and facilitate in
crafting of a credible public health systems to provide quality services.
Objectives of the Programme
The Main objectives of the programme are the following:
To understand the role of Micro health insurance in Health care system.
To enable the participants to analyze Micro health insurance programs in developing
To provide an overview of the economic, political and philosophical concepts central
to any discussion of financing health care.
Moral hazard and adverse selection in Micro health insurance.
To understand various challenges of Micro health insurance program.
The programme will broadly cover the following areas:
Health care financing.
Global Health care systems.
Health insurance and managed care.
Micro Health insurance programs in developing nations.
Issues and Challenges in Micro health insurance program.
Adverse selection and moral hazard in micro health insurance program.
Who Should Attend
This programme is designed for National and International health professionals, who are
involved in planning and implementation, including directors, joint directors, state
programme managers, state level officials/consultants, district level officials, district
programme managers, coordinators, administrators working with government and
nongovernmental organizations , International funding agencies, NGO Professionals, Hospital
Administrators, Medical Doctors MBBS, BDS, BAMS, Homeopath, Physiotherapists, Nursing
personnel, Paramedical, TPA Professionals, Brokers, Health claim managers and insurance
Professionals and Healthcare professionals with substantial managerial responsibilities,
interest, and motivation to learn and improve health systems performance.
The programme will be conducted through a series of lectures by renowned resource faculty
to introduce important concepts. This will be followed by active interaction from the
participants through classroom discussions, group work and presentations.
Dr Harish Sihare,
Program Director and Healthcare Financing Expert,
Goa institute of management, Goa
Dr Rohit Kumar
Max Bupa Health insurance co ltd
Dr. Rajagopal Rudraraju
Assistant Vice president, Apollo Munich Health Insurance co ltd
Eminent subject experts from the industry will also be invited to address the
Duration and Venue
The programme is of 3-day duration. The programme will start on Friday, 6th December 2013
and conclude on Sunday, 8th December 2013. The programme is scheduled to be held in Goa
institute of Management, Goa.
A certificate of participation on completion of the programme will be issued by Goa Institute
of Management, Goa.
Programme fee is Rs. 20,000/- per participant for Indian participants and USD 1000 per
participant for foreign participants, which includes tuition fee, course material, stay in air-
conditioning room (twin-sharing), breakfast, lunch, dinner, refreshments during course days,
internet access and airport transfers. The Demand Draft should be in favour of “Goa Institute
of Management”, payable at Goa.
Service tax as per Government norms (presently 12.36%) will be charged extra.
Nominations and Inquiries
Nomination form duly filled-in along with the Demand Draft made in favour of “Goa Institute
of Management” payable at Goa should reach the Program director latest by November 30,
Dr. Harish Sihare
Program Director & Associate Professor (Healthcare Financing)
Goa Institute of Management
Ribandar , Goa – 403006, INDIA
Phone: 0832- 2490300 Fax: 0832-2366710
Mobile: +918421956925 Email: email@example.com
Goa is a small state situated in the western region of India, with a population of approximately
1.5 million. It is a very popular destination both for domestic and international tourists. In the
last few years, it is assumed that around 3000 foreigners have purchased property in Goa and
there may be a few hundreds who keep coming back every year for their annual holiday.
Goa has a strong influence in terms of the Portuguese culture that is evident in the dress sense
and general behaviour. People are generally warm, friendly and hospitable. Goa is perhaps
the only state in India which has casinos operating in small cruise ships and hotels. Walking
along the beautiful beaches of Goa is undoubtedly any tourist’s delight. Besides, there are
many places of architectural interest including temples and churches. Goa is principally
famous for its cuisine, mainly sea food with the Goan curry and rice being the most popular.
However, one can also choose to satisfy their taste buds with a wide choice of Indian dishes
served across hotels in the city. Goa is in essence, a visitor’s true getaway …..