Helping Communities Manage risks from the ground up.

The MIA has many innovative features built into its model of microinsurance, which is designed to increase efficiency and effectiveness.

• Bottom Up: The community members are actively involved in the planning, implementation and operation of the microinsurance scheme. This approach strengthens local capacities and reduces dependence on external assistance. 
• Tailored: The MIA calculates premiums on the basis of baseline study results and the beneficiaries' choice of package design. This creates an optimal match between local needs, willingness to pay, and supply and demand of local healthcare services, thereby increasing the value of the end product.
• Inclusive: En-bloc affiliation leverages solidarity within the community and households to allow high-risk groups to access services under the scheme. By encouraging en-bloc affiliation we combat the challenges of adverse selection and moral hazard.