Understanding the impact of social representations in health microinsurance schemes: a preliminary theoretical framework to guide empirical research Online publication date: Sat, 21-Jun-2014
by Lara Gautier
International Journal of Behavioural and Healthcare Research (IJBHR), Vol. 4, No. 3/4, 2013
Abstract: Economic and organisational factors of the success and failure of health microinsurance schemes in Sub-Saharan Africa are well documented. However, the effects of social representations on microinsurance schemes are scarcely addressed by development professionals and the scientific community. The present theoretical contribution attempts to partially fill this gap in a particular setting: mandatory insurance schemes. In several developing countries, partnership programmes involving non-profit organisations, rural cooperatives, and microfinance institutions have recently started to offer health insurance products on a mandatory basis. This paper provides a preliminary conceptual framework for understanding the impact of social representations on understanding and using health microinsurance based on mandatory affiliation. A socio-economic approach is used, drawing on tools and concepts from institutional economics and socio-anthropology.
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