This study reviews the Mutual Model of health care financing. It presents an overview of the mechanisms and practicalities of the model, as well as the satisfaction level of the partners and the market. It underlines the significance of group quality and the role of leaders in popularising microinsurance to reduce moral hazards. Additionally, this paper reviews the process by which a product was developed, tested, and implemented at UMASIDA (an organisation created by ILO) to provide information on the process and product cycle including proper pricing, reducing costs and preventive health care. While highlighting the institutional impact, this study focuses on strengthening human resources, improving operations and systems, ensuring feedback mechanisms, and marketing of products vis-à-vis clients’ satisfaction.

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