Community Health Financing (CHF)

Program Overview

Under the Community Health Financing (CHF) program, we promote Community Health Insurance (CHI), organise communities to actively participate in running the formed CHI schemes, and advocate for the inclusion of CHI schemes in local and national-level systems to enable families enjoy quality health care services without facing financial hardships. Our focus is in two areas:

  1. Improving access to quality healthcare facilities and services
  2. Protecting families from catastrophic health expenditures

Community health financing schemes at SHU

a) Member-managed: The schemes are managed by members themselves through the democratically elected leaders and technical persons in the networks of schemes.
b) SHU-managed: The schemes are managed directly by SHU on behalf of the members after a formal agreement is signed stipulating the terms and conditions of collaboration. The members are actively involved in the governance of the scheme.

What We do under this program

What we do to simplify premium payments into schemes for families

  1. We partner with local micro-lending institutions to extend low-interest loans to families in the schemes for income-generating projects and charge a scheme premium that is transferred to the scheme once recovered.
  2. We give financial education to the target communities and encourage them to save individually or with the scheme. When the premium payment window is opened, families are given up to a period of three months in which to pay the premiums and not feel the burden of paying a lumpsum amount.

What we do to improve access to quality healthcare facilities and services

  1. We organize communities into formal groups operating at parish level known as CHI schemes. Each group sets up structures and elects leaders to run the new structure. Through this structure, families meet to discuss issues related to their disease burden, health care services availability, organization and quality.
  2. We facilitate negotiations between health care service providers (of quality) and organized communities. New communication channels are established through which both parties participate in the others’ activities. Through this channel, communities give feedback to service providers on the quality of services they offer, as well as on their felt needs that the service providers should make available and accessible. The service providers use the channel to provide information and updates to the communities on the services available. The providers use the channel to give answers to complaints by patients who leave dissatisfied.
  3. We prepare and facilitate the formalization of relationships between interested health care service providers and interested communities done by signing partnership and service contracts.
    1. We follow up and accompany the collaboration of service providers and organized communities. We participate in follow up meetings to support the growth of the partnership and respect of the contracts.
    2. We provide technical support services by doing medical audits and satisfaction surveys. The findings are used as feedback to each party to act in areas where weaknesses are identified.
    3. We sensitize communities about saving for health care.
    4. We conduct patient-centred awareness trainings to health care service provider staff and to community members. We do this to address bad reception which is the commonest reason for low utilization of health care.

What we do to protect families from catastrophic health expenditures

  1. We educate families about health-related risks, diseases, and how to manage cases of illness. This we do through health education.
  2. We educate families about health insurance principles and schemes.
  3. We support communities to create and run community health insurance schemes. Through the schemes, families reduce payments out-of-pocket at the point of service. For this, we do social marketing campaigns and capacity building for active participation in managing the health insurance schemes.
  4. We mobilize and avail subsidies to poor families. This enables the majority of the families to enrol into the Insurance schemes.

How CHF schemes protect families from catastrophic expenditure

CHI schemes at parish level protect families from catastrophic healthcare expenditure through working together in networks and running a common pool of funds. Each network of schemes at regional level performs most of the technical roles such as managing relationships with healthcare providers, coordinating verification of medical bills and payments to service providers in consultation with representatives of schemes.

Our strategies to sustain the CHF schemes and benefits

We support all schemes in each region to federate and work together under one technical network called a union. Every union has a team of staff at its secretariat who perform the technical roles of schemes including oversight in financial management, purchasing health care services and capacity building of scheme leaders. Schemes progressively contribute towards the operations of the unions to wean them from donor dependence to locally sustainable institutions. Currently, there are five unions of schemes:

Currently, there are five unions of schemes:

1. Munno mu Bulwadde Union of Schemes Organisation (MBUSO) which brings together all schemes in Luwero, Nakaseke and Nakasongola districts.
2. Western Ankole Tweragurize Schemes Association (WATSA) which brings together all schemes in Bushenyi, Sheema and Mitooma districts.
3. Munno Mu Bulwadde Schemes Cooperation Mechanism (MSCOM) which brings together all schemes in Mityana and Kassanda districts.
4. Central Regional Urban Munno Mu Bulwadde Schemes-Luwero (CRUMBS-L) for corporate and organised groups in Luwero, Nakaseke, Nakasongola and Masaka districts.
5. Busoga Regional Association of Tweidandhabe Schemes (BURATS) which brings together schemes in Iganga, Bugweri and Mayuge districts in eastern Uganda.

Advocacy for a universal National Health Insurance Scheme in Uganda

We support the process of enacting a fair health insurance law to create an enabling environment for all people living in Uganda to equitably access quality health care services as per their needs, and without facing financial hardships. This we do through developing position papers in partnership with other civil society organisations, media programs, and holding meetings with policy makers at different levels. We hold meetings with different stakeholders to harmonise positions on the proposed National Health Insurance Scheme (NHIS).
At the local government level, we engage district leaders on supporting CHF schemes and advocating for introduction of a national health insurance scheme. All our advocacy activities are guided by an advocacy strategy.