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Reinsurance of health insurance for the informal sector.

机译：为非正规部门提供健康保险再保险。

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Deficient financing of health services in low-income countries and the absence of universal insurance coverage leaves most of the informal sector in medical indigence, because people cannot assume the financial consequences of illness. The role of communities in solving this problem has been recognized, and many initiatives are under way. However, community financing is rarely structured as health insurance. Communities that pool risks (or offer insurance) have been described as micro-insurance units. The sources of their financial instability and the options for stabilization are explained. Field data from Uganda and the Philippines, as well as simulated situations, are used to examine the arguments. The article focuses on risk transfer from micro-insurance units to reinsurance. The main insight of the study is that when the financial results of micro-insurance units can be estimated, they can enter reinsurance treaties and be stabilized from the first year. The second insight is that the reinsurance pool may require several years of operation before reaching cost neutrality.
机译：低收入国家卫生服务筹资不足，缺乏全民保险，使大多数非正规部门陷入医疗贫困，因为人们无法承担疾病带来的经济后果。人们已经认识到社区在解决这一问题中的作用，并且正在采取许多主动行动。但是，社区筹资很少被构造为健康保险。汇集风险（或提供保险）的社区已被称为小额保险单位。解释了其财务不稳定的根源和稳定的选择。来自乌干达和菲律宾的实地数据以及模拟情况用于检验论点。本文重点介绍了从小额保险部门到再保险的风险转移。该研究的主要见解是，当可以估算小额保险部门的财务结果时，它们可以进入再保险条约并从第一年开始就保持稳定。第二个见解是，再保险库在达到成本中立性之前可能需要运行几年。

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