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Overview

Country/Region

Cameroon

Scheme Operator

Bamenda Ecclesiastical Provincial Health Assistance (BEPHA)

Scheme type

Micro Health Insurance scheme

Implemented since

2013

Implementing Partner(s)

BEPHA, with previous support from Swiss Tropical and Public Health Institute (https://openimis.atlassian.net/wiki/pages/resumedraft.action?draftId=835682333 )

Supporting Partner(s)

Financial Assistance: MISEREOR

Version

Legacy

Functionalities used

  • Beneficiary Management

  • Claims Management

  • Claims Review

  • Reports

Coverage

Bamenda Region

Number of beneficiaries

66,878

Number of users

10

Number of health facilities

140

Last update

Nov 2021

Scheme Features / Caractéristiques du régime:

Health scheme implemented since / Le régime de santé implémenté depuis

2008

openIMIS Implemented since / openIMIS implémenté depuis

2013

Name of openIMIS focal point / Personne de contacte pour openIMIS

 Atohmbom Yuh George

Total number of health scheme employees / Nombre d’employés du régime de santé

 50

Total number of employees using openIMIS / Nombre d’employés utilisant openIMIS

 10

Total number of employees not trained on openIMIS / Nombre d’employés non-qualifiés pour openIMIS

 15

Number of health insurance products managed by the health scheme and using openIMIS / Nombre de produits d’assurance géré par le régime et openIMIS

 5


Product Features / Caractéristiques du produit:

Number of households covered / Nombre de familles couverte

5655

Average size of a household / Taille moyenne d’une famille

-

Household contribution amount / Cotisation par famille

N/A

Individual contribution / Cotisation individuelle

5,000 FCFA

Average amount paid for a claim / Somme moyenne payé pour une prestation

-

Specifications of the openIMIS used / Spécifications de l’openIMIS utilisé:

Version

-

Has anything been modified (customization) / Modifications

-

What standards are used to code services, items, diagnosis and products / Quels standards sont utilisés pour coder les services, médicaments, diagnostiques et produits

-

Three main lessons learned / Trois leçons principales tirées:

One

A digital tool to support the implementation of an insurance scheme is indispensable

Two

A comprehensive digital tool like the openIMIS greatly improves on a responsible financial management

Three

Need for continuous capacity building

Recommendations for Developers Committee / Recommendations pour le commitée des dévelopeurs:

What to improve / Améliorations

Improve on a simplified method on the installation and implementation of the offline version of the openIMIS

What to add / Additions

Need to be able to generate and print beneficiary cards from the openIMIS

What to remove / Eliminations


Overview on the ground

In 2013, Bamenda Ecclesiastical Provincial Health Assistance (BEPHA) Cameroon decided to customize IMIS, developed in Tanzania, to manage its insurance schemes in various dioceses. BEPHA Cameroon received IMIS and its complete source code for customization through a bilateral agreement, including a no-cost license, from the Swiss Development Cooperation. Swiss TPH has been supporting the system’s technical implementation by BEPHA including initial customization, system setup and user training. At present, only the web-based component of the system is in use but a pilot for the mobile phone component is expected to begin shortly.

 

Each of the five diocese-level schemes (across North West and South West regions) has teams that use the system for beneficiary enrollment and claims management. All data entry is currently done at the Diocesan office, and BEPHA agents are present at some health facilities to support client verification and claims processes. 

Configuration

Each scheme involves different products for different client groups (at least three per scheme), but there is a tendency to harmonize a single benefit package across all schemes (variations might still exist during the transition period). The harmonized benefit package covers:

·       Contribution: 5,000 FCFA per person

·       Benefit package: an individual within a year of enrollment can claim for up to 3 outpatient consultations (each up to 15,000 FCFA), 1 surgery (up to 70,000 FCFA), 1 delivery (up to 15,000 FCFA), 2 hospitalizations (each up to 25,000 FCFA) and one ante-natal check-up (up to 10,000 FCFA)

·       Co-payment of 25% is paid by insured members and the rest is covered by the scheme without an exchange of cash

·       Services provided only by health facilities empanelled with the scheme operator(including private, charitable and government facilities)

System set-up

  1. Central Server

  2. Hosted in the cloud

  3. Server firewall

  4. Back-up to another cloud server

  5. Windows Server 2012

  6. Microsoft SQL Server 2017

  7. Dedicated development/training server (also hosted in the cloud)

  8. Only web interface is used for management of all data

  9. Android phones for enrolment, renewals, enquiry and claims submission - to be piloted for use by agents and health center staff

  10. IT team: Exact Software Ltd. (basic maintenance support on application remotely), 1 systems administrator and local data entry operators 


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