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The provision of viable health insurance is inextricably linked to the provision of the human right to health. While Nigeria’s journey toward universal health coverage began with the 2005 insurance scheme, the National Health Insurance Authority (NHIA) Act 2022 fundamentally changed the status quo by making insurance mandatory. Despite this, coverage remains abysmally low. This study analyses the intersection of human rights and health insurance, arguing that Nigeria’s crisis stems not from legislative insufficiency but from a systemic failure to operationalize existing frameworks. By engaging with the justiciability of health under the African Charter and the National Health Act 2014, the study finds that the barrier to health rights is an implementation gap fuelled by institutional dysfunction and fiscal negligence. It recommends prioritizing the enforcement of the NHIA Act and strategic funding of the Basic Healthcare Provision Fund, as opposed to the agitation of further constitutional reforms.
Consumer perspectives in Primary Health Care (PHC) need further exploration in Bangladesh. The study aimed to explore consumer-perception-based availability and accessibility of PHC services, along with equity, in a lower health outcome district.
Methods:
A cross-sectional study was conducted in the low-performing district, Moulvibazar. Adult Health Care Consumers (HCCs, n = 417), attending PHC facilities were purposively selected and data were collected through face-to-face interviews. Individual questions were weighted, and Self-Reported Availability Score (SRAvS) and Self-Reported Accessibility Score (SRAcS) were derived (0–100% scale). Equities in availability and accessibility were explored by analysing gender (male–female), location (rural–urban), and Income-Quintiles (InQ).
Findings:
Proportions of HCCs perceiving availability of services were low: laboratory diagnosis (19%), nutrition-health education (31%), basic emergency (49%), and ‘most of the time drug supply’ (18%). Of HCCs, 43% visited other facilities. Accessibility was fair (eg, waiting time ≤30 minutes for 86% and <one hour for 11%). Median SRAvS ranged from 42 to 52 with no difference between any of the two gender-, location-, or InQ-based groups. Median SRAcS ranged from 65 to 95 and it was significantly lower among urban vs rural (p < 0.001) subgroups. In the regression analysis, higher age (p = 0.041), female gender (p < 0.001) and urban location (p = 0.049) were found to be significantly associated with lower SRAcS.
Conclusion:
Comprehensive availability of PHC services is poor in a low-performing district of Bangladesh. Overall accessibility to PHC services is relatively better, but it is lower for urban consumers. Gender, location and socioeconomic status are important factors to modulate inequities in service availability and accessibility.
This paper examines how Brazil, Rwanda, and China have pursued universal health coverage (UHC) beyond classical health system models developed in high-income settings. We introduce the concept of institutional assembly under constraints, offering a complementary framework for understanding UHC pathways in developing countries, where no single trajectory universally applies. Brazil’s health system ensures free access at the point of care through tax-based public financing, but limited government spending has produced a dualised system of public and private provision. Rwanda extends coverage to informal and low-income populations through subsidised community-based insurance under strong government stewardship, though the system remains heavily reliant on donor support and household contributions. China employs segmented insurance schemes administered by local governments, integrating payroll-funded coverage for formal-sector workers with publicly subsidised residence-based schemes, achieving rapid scale but embedding regional fragmentation. These cases reflect distinct processes of institutional assembly under constraints, in which health systems are constructed through selective borrowing from classical frameworks combined with institutional innovation rooted in historical legacy, all bounded by fiscal capacity, labour-market structure, and administrative reach.
The growing involvement of private health insurers within universal health systems has intensified debate over their effects on access, equity, and long-term system sustainability. This paper examines the role of private insurers in the United Kingdom (UK) and South Africa through a case study of the Discovery Group, operating across both settings. We explore how private sector engagement shapes health financing, workforce dynamics, service delivery, digital infrastructure, and governance. Our analysis reveals that the impact of private health insurance on universal health systems is fundamentally context-dependent, mediated by institutional frameworks, regulatory environments, and the stage of universal coverage development. We find that private insurers can contribute meaningfully to digital health innovation and behavioural health interventions. However, expansion also introduces significant risks concerning workforce distribution, financing sustainability, and equity of access. These dynamics manifest differently across contexts. In the UK’s mature universal system, private insurance plays a supplementary role offering expedited access to care for members. In South Africa’s transitional dual system, private insurers more fundamentally shape whether quality care is accessible at all. As health systems evolve, the central challenge lies in developing governance frameworks that enable beneficial private sector contributions while safeguarding equitable access and national health system priorities.
Edited by
Jonathan Cylus, European Observatory on Health Systems and Policies,Rebecca Forman, European Observatory on Health Systems and Policies,Nathan Shuftan, Technische Universität Berlin,Elias Mossialos, London School of Economics and Political Science,Peter C. Smith, Imperial College of Science, Technology and Medicine, London
Chapter 3.7 reviews priority-setting. Priority-setting is about taking explicit decisions on where limited public resources should be allocated. Vertical priority-setting focuses on choices for particular sets of health conditions or population groups whereas horizontal priority-setting looks more broadly across types of care, such as primary or secondary care, and broader investments. Key learning includes that
Defining a health benefits package that is affordable and accessible by all implies a horizontal approach to priority-setting.
Countries cannot progress towards UHC without horizontal priority-setting and without some form of collective funding and procurement mechanisms.
Horizontal priority-setting is highly context-specific. Countries may need to reorganize financing and procurement mechanisms to overcome barriers to progress.
Increasing the total resources for health benefits packages (HBP) can help with the introduction of more horizontal approaches.
Improving procurement can also support the move towards horizontal priority-setting whether through national efforts (such as better data gathering and use) or international initiatives (i.e. harmonizing regulation across countries or global investment in health security).
Local capacity is key in supporting the pooling mechanisms, HBP design and regulation which enable horizontal priority-setting. Donors can usefully support health systems strengthening by investing in capacity-building and information sharing.
Strong political will and cooperation between stakeholders is critical in progressing towards appropriate priority-setting for UHC and in designing, financing and implementing a comprehensive health benefits package.
Edited by
Jonathan Cylus, European Observatory on Health Systems and Policies,Rebecca Forman, European Observatory on Health Systems and Policies,Nathan Shuftan, Technische Universität Berlin,Elias Mossialos, London School of Economics and Political Science,Peter C. Smith, Imperial College of Science, Technology and Medicine, London
Health financing is a key component of any health system, but its role is more complex than simply raising and spending money on health. It is a crucial determinant of the overall performance of the health system, defining, among other things, how much money is available to be spent on health and who pays for it, who gets to benefit fromthose financial resources, what services that money can purchase and who ultimately receives resources from the health system as income. Without careful attention to the way health financing systems are designed, incentives for providers or patients can bemisaligned with policy goals, leading to poor health outcomes, financial hardship for users of health care, wasted resources, failure to address inequalities and disruption of countries’ progress towards universal health coverage (UHC) (Box 0.2.1).
Edited by
Jonathan Cylus, European Observatory on Health Systems and Policies,Rebecca Forman, European Observatory on Health Systems and Policies,Nathan Shuftan, Technische Universität Berlin,Elias Mossialos, London School of Economics and Political Science,Peter C. Smith, Imperial College of Science, Technology and Medicine, London
Chapter 1.2 assesses community-based health insurance. Community-based health insurance (CBHI) is a voluntary, self-organized approach to financing health care for groups of individuals in the absence of other forms of health care coverage. CBHI scheme members organize themselves; collect and pool their insurance premiums; and use them to purchase health services for members. Key learning includes that
CBHI is not a miracle solution to affordable access to health care.
– The very poor often do not enroll, and when they do they tend to use fewer health services.
– Out-of-pocket (OOP) payments are not necessarily reduced.
Low uptake, poor delivery of promised benefits and challenges around governance undermine the impact of CBHI.
CBHI does not overcome broader issues such as a lack of financial resources.
CBHI might serve as a transitionary mechanism towards UHC and offer some financial protection for the most vulnerable provided that
– Policy-makers create a supportive political and economic environment
– Social capital can be mobilized
– Schemes are institutionalized within the health sector.
Edited by
Jonathan Cylus, European Observatory on Health Systems and Policies,Rebecca Forman, European Observatory on Health Systems and Policies,Nathan Shuftan, Technische Universität Berlin,Elias Mossialos, London School of Economics and Political Science,Peter C. Smith, Imperial College of Science, Technology and Medicine, London
Chapter 1.3 considers voluntary health insurance (VHI). VHI is paid for privately by or on behalf of individuals and normally covers care in addition to the publicly financed benefits package. Premiums are not typically based on the policyholder’s income but may well vary depending on their risk of ill health. Key learning includes that
Despite prepayment and risk pooling, VHI has limitations and does not align well with progress towards universal health coverage because:
– Risk pools in VHI schemes are typically much smaller than pools established through statutory schemes which means there are fewer people to share risk
– Inequities are created because of the cost of premiums, which may not be affordable or accessible to everyone including those most in need.
VHI has wider equity implications because it offers those who can afford to pay faster access or greater choice of services (supplementary insurance) or coverage of excluded services or user charges for statutory care (complementary insurance)
Governments seeking to use VHI to expand coverage typically have to make significant interventions, including through tax subsidies to make premiums more affordable, but this creates market distortions and is inefficient.
Policy-makers can secure better value for money by improving access to publicly financed health care than by promoting VHI.
Health care financing is key in defining interactions between providers and the generalpopulation. It determines who is required to pay for care, how much they pay, and what types of services patients can receive. It also helps shape markets for health service providers and innovations in service delivery, pharmaceuticals and medical devices. Paying for Health brings together insights from over 50 global experts to provide a vital analysis of health care financing around the world, explaining issues related to funding both health and social care. It explores key aspects of health financing, delving into critical policy questions and examining strategies that shape sustainable, effective health systems. Offering real-world examples and evidence-based insights, this essential volume equips policymakers, researchers, and health leaders with the tools to design financing systems that drive progress now and in the future towards universal health coverage. This title is also available as Open Access on Cambridge Core.
The 2025 Health Technology Assessment International (HTAi) Regional Meeting for the Middle East and North Africa (MENA) was held in Tunis, Tunisia, in September 2025. The meeting, coorganized with the Tunisian National Authority for Assessment and Accreditation in Healthcare (INEAS), focused on advancing equitable, efficient, and innovative health systems through institutionalized HTA practices. Across three core sessions – regional HTA development, system functionality and resilience, and access to medicines – participants shared national experiences, challenges, and collaborative opportunities. Key outcomes emphasized building enabling environments for HTA, capacity development, multi-stakeholder collaboration, and integration of HTA into governance and financing systems. This article highlights lessons learned and identifies strategic recommendations for fostering sustainable HTA growth across the MENA region.
To support policymakers in enhancing access to eye care for the population aged 45 years and older in Pakistan, this study aims to identify and quantify the barriers that hinder effective eye care delivery to this group. Additionally, it seeks to explore patients’ experiences with the Sehat Sahulat (health insurance) programme in the context of eye care services.
Background:
Accessible eye care services can reduce avoidable blindness by delivering timely, high-quality interventions. In Pakistan, the lack of primary eye care burdens overcrowded hospitals and combined with economic challenges, limits access for underprivileged populations. To address this, a nationwide health insurance scheme – the Sehat Sahulat programme (SSP) was introduced to reduce out-of-pocket (OOP) expenses and improve healthcare access for economically disadvantaged groups.
Methods:
Using an exploratory sequential mixed methods design, an initial qualitative phase explored participant experiences and identified specific barriers. The qualitative study provided the basis for the development of a customized survey tool. The survey tool was then used in a second phase to obtain quantitative data to capture the magnitude of barriers and costs associated with accessing eye care in Pakistan.
Findings:
Numerous considerable barriers were identified including illiteracy, long travel times, female gender, old age, mobility issues, and costs, all of which limited access to eye care in Pakistan. Awareness surrounding use of the SSP was poor, with the programme seldom used towards eye care costs. This study highlights patient experiences with eye care in urban and rural Pakistan, including enablers and barriers to accessing eye care. Improvements should focus on educating the public on eye health, increasing availability of eye care services in rural areas, improving accessibility within eye care facilities, addressing gender disparities, and reducing costs associated with eye care treatments, potentially through advancement of the SSP.
The primary objective of this study is to assess the workload situation within Iran’s primary healthcare (PHC) sector, with an emphasis on identifying workforce needs and ascertaining any existing shortages or surpluses.
Background:
Over the past four decades, the establishment of PHC in Iran has been a significant accomplishment for the country’s healthcare system. Iran places substantial importance on achieving universal health coverage through PHC, aligning with global health goals, and acknowledging the critical role of human resources in this context. This commitment has enabled widespread and inclusive access to PHC services for both urban and rural populations across the nation. The primary objective of this study is to assess the workload situation within Iran’s PHC sector, with an emphasis on identifying workforce needs and ascertaining any existing shortages or surpluses.
Methods:
In 2023, a retrospective cross-sectional survey in Iran’s PHC sector sampled 1,212 individuals from 557 units across seven districts. Units were selected based on predetermined criteria for proportional representation of eligible occupational groups. Data was collected using tailored electronic questionnaires, covering facility and individual characteristics, working time, activities, and support tasks. Shortages or surpluses were assessed using Workload Indicators of Staffing Need (WISN) ratios under various scenarios, utilizing data from 2022 registration systems. Adjusted time data-informed workload pressure calculations.
Findings:
Customizing the WISN protocol to each country’s context is crucial, involving stakeholders in study design, including sample selection and data collection methods. Contextual facility information aids analysis, necessitating standardized data collection approaches for diverse registration systems.
The implementation of South Africa’s maternal care guidelines is still subpar, especially during the postnatal periods, despite midwives playing a key part in postnatal care for women and their newborns. This article aimed to pinpoint the obstacles to and enablers of midwives’ roles in putting South Africa’s maternal care recommendations for postnatal health into practice.
Method:
A scoping review was conducted following Arksey and O’Malley method. Systematic searches were conducted using the PsycINFO, Nursing and Allied Health (CINAHL), PubMed, EBSCOhost web, and Google Scholar. The screening was guided by the inclusion and exclusion criteria. Data were analyzed using the Braun and Clarke method for thematic content analysis and included 22 articles. The quality of included studies was determined by Mixed Method Appraisal Tool and these were reported in accordance with Preferred Reporting Items for Systematic Reviews and Meta-analysis for Scoping Review.
Results:
There is a gap between inadequate postnatal care services provision and suboptimal implementation of maternal recommendations. Owing to a lack of basic knowledge about the guidelines, an absence of midwives in the maternity units, inadequate facilities and resources, a lack of drive and support, inadequate training of midwives in critical competencies, and poor information sharing and communication. Maintaining qualified midwives in the maternity units and providing them with training to increase their capacity, knowledge, and competencies on the guidelines’ critical information for managing postnatal complications and providing high-quality care to women and their babies is necessary to effectively implement the recommendations.
Conclusion:
The relative success in implementing maternal care guidelines in South Africa lies in the contextual consideration of these factors for the development of intersectoral healthcare packages, strengthening health system collaborations, and stakeholder partnerships to ameliorate maternal and newborn morbidity and mortality.
Constrained resources under universal health coverage (UHC) necessitate a balance between medication costs and essential health system requirements. Policymakers practice priority-setting, as either implicit or explicit rationing, embedded in evidence-informed decision-making processes to guide funding decisions. Health technology assessment (HTA) is a method that may assist explicit evidence-informed priority setting. South Africa developed an official HTA methods guide in 2022, however before this, commissioning and performing economic evaluations was not standardized.
Methods
We conducted a descriptive collective case study to explore the impact of economic analyses on the selection of, and access to, essential medicines in South Africa. Four cases were purposefully selected, and both official information and secondary data, including media reports, were reviewed. Data elements were extracted and organized in a matrix. Cases were reported narratively with a positivist epistemological approach, presenting the authors’ reflections.
Results
We found economic analyses that reflected methodologies described in the HTA guide: international reference pricing, cost-minimization, cost-effectiveness, cost-utility, and budget impact analyses. Economic analyses informing the ‘resource-use’ domain in the GRADE evidence-to-decision framework supported decision-making, influenced market-shaping with price reductions of interventions through benchmarking (fosfomycin, flucytosine), improved equitable access nationally (flucytosine), and prioritized a defined patient group in a justifiable and transparent manner (bortezomib).
Conclusion
A standardized HTA evaluation process guided by a nationally accepted framework is necessary for evidence-informed decision-making. Economic analyses (cost-effectiveness, affordability, and resource use) should be consistently included when making decisions on new interventions.
Systematic priority setting is necessary for achieving high-quality healthcare using limited resources in low- and middle-income countries. Health technology assessment (HTA) is a tool that can be used for systematic priority setting. The objective of this study was to conduct a stakeholder and situational analysis of HTA in Zimbabwe.
Methods
We identified and analyzed stakeholders using the International Decision Support Initiative checklist. The identified stakeholders were invited to an HTA workshop convened at the University of Zimbabwe. We used an existing HTA situational analysis questionnaire to ask for participants’ views on the need, demand, and supply of HTA. A follow-up survey was done among representatives of stakeholder organizations that failed to attend the workshop. We reviewed two health policy documents relevant to the HTA. Qualitative data from the survey and document review were analyzed using thematic analysis.
Results
Forty-eight organizations were identified as stakeholders for HTA in Zimbabwe. A total of 41 respondents from these stakeholder organizations participated in the survey. Respondents highlighted that the HTA was needed for transparent decision making. The demand for HTA-related evidence was high except for the health economic and ethics dimensions, perhaps reflecting a lack of awareness. Ministry of Health was listed as a major supplier of HTA data.
Conclusions
There is no formal HTA agency in the Zimbabwe healthcare system. Various institutions make decisions on prioritization, procurement, and coverage of health services. The activities undertaken by these organizations provide context for the institutionalization of HTA in Zimbabwe.
Edited by
Scott L. Greer, University of Michigan,Michelle Falkenbach, European Observatory on Health Systems and Policies,Josep Figueras, European Observatory on Health Systems and Policies,Matthias Wismar, European Observatory on Health Systems and Policies
The goal of SDG 1 is to end poverty in all forms everywhere. Health systems are a significant determinant of the risk of impoverishment and financial hardship. We review methods for calculating catastrophic health spending and impoverishing spending, noting a distinction between those who are impoverished by out-of-pocket (OOP) health spending and those who are further impoverished by OOP health spending. Catastrophic health spending tends to be concentrated among poor households, but there is a high level of variability between countries. In particular, countries with higher public spending on health as a share of GDP have lower OOP spending, which in turn is associated with lower catastrophic health spending and impoverishment. Policymakers can also make progress on reducing the risk of impoverishment by making reforms to coverage policies. We conceptualise progress towards universal health coverage through an analysis of the coverage of people, services, and costs. Risk of financial hardship is minimised when the entire population is covered, the right services are covered to meet the population’s health needs, and costs are financed largely through pre-payment with risk pooling to avoid high user charges. The most successful systems use user charges sparingly, design user charges as fixed copayments rather than percentage-based coinsurance, and include income-based exemptions and OOP maximums.
Edited by
Scott L. Greer, University of Michigan,Michelle Falkenbach, European Observatory on Health Systems and Policies,Josep Figueras, European Observatory on Health Systems and Policies,Matthias Wismar, European Observatory on Health Systems and Policies
This chapter explores the links between Sustainable Development Goal (SDG) 3 (specifically targets 3.3, 3.8, and 3.b, which address the need to fight communicable diseases, achieve universal health coverage, and invest in research and development of vaccines and medicines, respectively) and SDG 9, which calls for the development of industry, innovation, and infrastructure in low- and middle-income countries (LMICs). By discussing two case studies, i.e., Brazil’s technology transfer strategy for the human papillomavirus (HPV) vaccine through a public–private partnership and the implementation of the Mozambican Pharmaceutical Ltd., a Brazil-Mozambique South-South cooperation (SSC) project, it argues that initiatives such as technology transfer and local production of pharmaceuticals in LMICs can be a means to promote industrial and innovation goals while meeting health needs. With significant variations between them, the two case studies illustrate the dynamic interaction between SDG 3 and SDG 9, helping to elucidate the co-benefits between health policy and measures to promote scientific and technological development. The chapter calls for further research to better understand which channels, governance arrangements, and mechanisms can promote effective coordination between healthcare and industrial development.
The Colombian health system has made a deep transition into managed competition since a major reform in 1993. A market for insurers was created, the consumer has free choice of insurer and a national-level equalisation fund distributes revenues via a per-capita payment. Fully subsidised insurance for the poor and informal, and a comprehensive standardised benefit package for subsidised and contributory schemes (both schemes covering 98 per cent of the population), has led to a low level of out-of-pocket expenses and high financial protection, as well as to reduced gaps in equity in access. The preconditions for managed competition are largely met, but improving health care providers' organisation towards integrated care, to enable them to deliver more value, is a necessary step to achieve the expected results of managed competition in terms of efficiency and quality. Although the current system is likely to be reformed in the coming months, the nature and extent of those reforms are not defined yet, so our analysis is based on the current system.
This chapter extends the consideration of the changing global burden of diseases and discusses what is required to mount an effective response to public health challenges, particularly in countries where people are living in extreme poverty. It considers the role of international development assistance and the responsibilities of the international community in improving the health of poor people.
This Element highlights the pivotal role of corporate players in universal health coverage ideologies and implementation, and critically examines social innovation-driven approaches to expanding primary care in low-income settings. It first traces the evolving meanings of universal health/healthcare in global health politics and policy, analysing their close, often hidden, intertwining with corporate interests and exigencies. It then juxtaposes three social innovations targeting niche 'markets' for lower-cost services in the Majority World, against three present-day examples of publicly financed and delivered primary healthcare (PHC), demonstrating what corporatization does to PHC, within deeply entrenched colonial-capitalist structures and discourses that normalize inferior care, private profit, and dispossession of peoples.