Extending mutual microinsurance to 5 million uninsured households in five countries over five years.


30 January 2019

One woman describes how she was able to gain access to the healthcare services she desperately needed.

30 January 2019

Palaniyammal and her family reside in rural Madurai (India). Before taking out health insurance cover through the DHAN Foundation they used to pay excessive amounts for treatments they could not afford. However, thanks to the DHAN Foundation project, supported by the ICMIF 5-5-5 Mutual Microinsurance Strategy, Palaniyammal’s family now has affordable health microinsurance which has changed their lives and recently saved the life of her sister-in-law. Through its partnership with ICMIF, the DHAN Foundation aims to cover an additional 1 million people with mutual microinsurance over a five period, so that many more people like Palaniyammal and her family can benefit from affordable health microinsurance.
29 January 2019

Palaniyammal y su familia residen en la zona rural de Madurai (India). Antes de contratar un seguro de salud a través de la Fundación DHAN, solían pagar cantidades excesivas por tratamientos que no podían permitirse.

Sin embargo, gracias al proyecto de la Fundación DHAN, apoyado por la Estrategia 5-5-5 de Microseguros Mutuales de la ICMIF, la familia de Palaniyammal tiene ahora microseguros de salud asequibles que han cambiado sus vidas y, recientemente, salvado la de su cuñada.

A través de su asociación con la ICMIF, la Fundación DHAN pretende cubrir con microseguros mutuales a un millón adicional de personas durante un período de cinco años, para que muchas más personas, como Palaniyammal y su familia, puedan beneficiarse de microseguros de salud asequibles.
29 January 2019


A través de la Estrategia 5-5-5 de Microseguros Mutuales de la ICMIF, la Fundación DHAN tiene como objetivo proporcionar seguro de salud asequible a más de 1 millón de personas que viven en comunidades pobres de la India, durante los próximos cinco años.

Una mujer describe cómo consiguió obtener acceso a los servicios de salud que necesitaba urgentemente gracias a su póliza de microseguros con la Fundación DHAN.

28 January 2019

しかし、ICMIF 5-5-5相互扶助のマイクロインシュランス戦略が支援するDHAN財団プロジェクトのおかげで、パラニヤマルの家族は現在、手の届く価格の健康マイクロインシュランスに加入できました。これにより彼らの生活は変わりました。最近では義理の姉の命が救われています。

28 January 2019

ICMIF 5-5-5相互扶助のマイクロインシュランス戦略を通じて、DHAN財団は今後5年間でインドの貧しい地域に暮らす100万人以上の人々に手頃な価格の健康保険を提供することを目指しています。


31 October 2018

Kumar Shailabh, Executive Director, Uplift Mutuals speaks about Uplift's project under the 5-5-5 during a field visit in rural Gujarat (India). Kumar also explains Uplift's partnership with the Anarde Foundation, an NGO formed to uplift and empower rural India.

31 October 2018

The village of Sadni Bata, situated in Gujarat (northern India), is so remote that it takes over an hour to reach from the nearest town. Many of the inhabitants have never seen a doctor before, and they lack access to basic healthcare services.

In October 2019 we visited a health camp in Sadni Bata village organised by Uplift Mutuals, the Mumbai-based pioneer of a community-owned health microinsurance programme, for Uplift policyholders/members.

In this short video, we interviewed three local leaders to discover the true impact the health camp is having to the low-income villagers of Sadni Bata. 

Mr Kamleshbhai Bhikhubhai Bagul Sarpanch, a local village leader, said: “We are really remote due to the mountainous terrain here so the provision of the health camp is really valuable… I hope you will continue to provide services to our village.”

This health camp was the first time many of the villagers had met with a doctor (read the full story).
08 October 2018

ICMIF is partnering with Kenyan cooperative insurer (and ICMIF member) CIC Insurance Group for the ICMIF 5-5-5 Mutual Microinsurance Strategy in Kenya. CIC's project was officially launched on 17 September 2018 at a launch event taking place in Kiambu, Kenya attended by key project stakeholders. This video was taken at the launch event.

Over the next five years, CIC plan to scale up their existing livestock microinsurance product by partnering with dairy cooperative associations as part of a holistic approach to improving the lives and livelihoods of low-income farmers and their families. As well as providing affordable risk-mitigation solutions, CIC’s livestock policy includes targeted actions on financial literacy training, improved animal husbandry practices and access to veterinary services for the intended recipients.

30 July 2018

Gayathri Sakthirajan, Chief Executive of People Mutuals (the insurance arm of the DHAN Foundation), in India discusses her organisation's project to reach 1 million previously uninsured people from low-income communities through the ICMIF 5-5-5 Mutual Microinsurance Strategy. Gayathri also praises the positive impact of a technical assistance assignment arranged through the 5-5-5 Strategy on the project, which was conducted by Bas Lavalaye, a Finance and Control Manager from ICMIF member Achmea (the Netherlands). This video was taken in April 2018, one year after the launch of the project.