AGRARIAN REFORM

COMMUNITY SAVINGS FOR

HEALTH MICRO-INSURANCE
ARC Saves for HMI
 OBJECTIVES

To develop and install a community-based

social health insurance scheme that will
transform the ARBs into self-reliant
communities that are able to sustain the
continuous access to health care services
through partnership PhilHealth, LGUs and
other relevant private organizations.
 SPECIFIC
OBJECTIVES

1. Increase the awareness and appreciation of ARB

households on the benefits of SHI and ensure their
sustained enrollment beyond the project duration;

1. Implement the graduated enrollment scheme for

ARB households in PhilHealth’s Sponsored Program
to Individually Paying Program and/or community-
managed social health insurance;

3. Install and strengthen a system for savings

mobilization as a mechanism for generating funds from
the cooperatives’ members for their premium
counterpart
 SPECIFIC
OBJECTIVES

1. Maximize the utilization of the capitation fund by the

participating LGUs for the improvement of the health
facilities in the project areas;

5. Enhance the partnership intiatives on health at the local

level with the involvement of the LGUs, PHILHEALTH
and ARC cooperatives

6. Document the processes undertaken under the project

for possible expansion and replication in other ARCs
 PROJECT OUTPUTS

• ARBs enrolled in Philhealth’s SP and/or in IPP

• Graduated enrollment SHI scheme pilot tested

• ARC Coop-managed Social Health Insurance Scheme

• Local level initiatives in the delivery of health services

strengthened
 Area Coverage

Pilot Area: 4 ARC Organizations in Pangasinan

Expansion Area: Visayas and or Mindanao

 SELECTION CRITERIA

For the ARCs

• presence of organization/s with profitable enterprises being
managed and patronized by its members;
• with PhilHealth-accredited rural health unit (RHU) in the
municipality;
• with presence of support LGU; and
• project areas covered both by DLR and GSKF.

For the Cooperatives

• within an organizational maturity (OM) rating from levels 3 to 5;
• with a minimum of 100 ARB members;
• with existing savings mobilization program;
• managing viable economic enterprises; and
• willing and interested to undergo the processes under the project.
 PARTNERSHIP ARRANGEMENTS

DAR
• Capacity Building for ARBs
•Systems Installation on Savings Mobilization
•Partnership building
•Health education on SHI
• Identification of Qualified ARBs
• Process Documentation
GlaxoSmithKline
• 50% of annual premium for ARB enrollees for year 1
(1st – 3rd class municipality; )
• Preventive health care education program
• Assist in the facilitation/promotion of partnership
building with LGU
 PARTNERSHIP ARRANGEMENTS

PhilHealth
• 50% of annual premium of ARB enrollees from Y1-Y3
• Facilitate/Promotion of Partnership Building with
LGUs
• Assist in Health Education on SHI

LGU
• 25% annual premium of ARB enrollees in Y2 (1st – 3rd
Class Municipality)
• Confirm qualified ARBs
• Manage capitation fund
• Provision of Out-Patient Benefit (OPB)
 PARTNERSHIP ARRANGEMENTS

Cooperative

• Identify qualified agrarian reform beneficiaries

•Members in good standing
•Willing to participate in the project
•Members with livelihood activities
•With income of below poverty line
•Residence of ARCs

• Implement the savings mobilization scheme to generate

• health funds
• premium counterpart

• Manage the social health insurance scheme

 ARC Save for
HMI

OPERATIONAL FRAMEWORK
 Year 3
Pay 100% LGU
counterpart premium & Pay the 100% IPP
MOA with the LGU save 100% of IPP premium and save for
Year 2 the succeeding years
premium on Yr. 4.
Year 1 Manage profitable enrollment premium
Pay the 50% LGU Or
counterpart premium enterprise using the
Health Fund (Option to Manage the Health
Save 50% of LGU and save the 100% Fund through a
LGU counterpart engage in CBSHI or IPP
counterpart premium using their savings from Community-Base
C premium Y3 premium
for Y2 and health Y1 to Y3) Social Health
oop funds for year 4 and health funds for Insurance or POGI of
health cares services year 4 health cares Philhealth
services.

Manage capitation Pay the 50% LGU Manage capitation Year 4

LG fund/ confirm counterpart premium/ fund/ confirm
qualified ARBs confirm qualified ARBs qualified ARBs
U
Managing Investment/
Pay the 100% of LGU
Enterprise Activities
counterpart premium
GS Provide Health Phase-out Using Portion of
Y1 & provide Health
K Education
Education Health Funds
Generated
Pay the 50% Pay the 50% Pay the 50%
P counterpart counterpart counterpart
HIC premium premium premium

Provide technical guidance & mentoring activities on the installation/strengthening of policies,

DA systems & procedures on enterprise & savings mobilization for SHI; continuous capability
R building & enhancement for the pilot cooperatives
Give a man fish and he will live for a day
Teach a man how to fish
….and he will live for a lifetime.