Community Based Social Health Insurance (CBSHIP) is a non-profit health insurance programme for a cohesive group of households /individuals or occupation based groups, formed on the basis of the ethics of mutual aid and the collective pooling of health risks, in which members take part in its management
This scheme is voluntary and open to all residents (families) of the participating communities/occupation based groups (including retirees). Families or individual members are the unit of registration. In order to achieve a critical pool of funds to ensure financial viability, as well as to address the problem of adverse selection, communities/occupation based groups shall have at least 50% of members willing to participate (or a minimum of 1000 members).
Community or occupation based group chooses Maayoit Healthcare Limited as HMO to administer CBSHIP, Maayoit registers and issues registration numbers to members of community or group under the NHIS.
The benefit package reflects preventive, promotive and curative components of health care delivery. It aims at minimum primary and secondary curative care, taking into cognizance the prevailing local morbidity and mortality profile, including pre- & post-natal care, normal delivery, child welfare services (including immunization), family planning and health education services.
