Bergthaller and Tessier, 2025

Bergthaller and Tessier, 2025

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Citation Details

Authors

Martina Bergthaller, Lou Tessier

Title

Universal Health Insurance Schemes A comparative analysis of implementation features in 10 low and middle-income countries

PubYear

2025

Type

Report

WebURL

https://www.ilo.org/sites/default/files/2025-12/WP%20156.pdf

AccessDate

18.12.2025

ElsevierIJMI

 

ElsevierHarvard

Bergthaller, M., Tessier, L. 2025. Universal Health Insurance Schemes: A comparative analysis of implementation features in 10 low- and middle-income countries, ILO Working Paper 156 (Geneva, ILO). https://doi.org/10.54394/PLHO1306

Abstract

Reaching universal health coverage is a central objective of social protection systems. Countries can choose a variety of mechanisms to secure the right to social health protection for all. This report focuses on those countries that have chosen a universal health insurance model. More specifically, while a range of publications have explored the design of such schemes, published literature on implementation modalities used in low and middle-income countries is scarce. Notably, the documentation and comparative analysis of practical processes through which vulnerable groups – such as the poor or those working in the informal economy and their families - can successfully be integrated into such schemes. This work draws on case studies spanning ten lowand middle-income countries. The analysis highlights that the unique historical trajectories and socio-economic context of each country have shaped distinct approaches to the design and delivery of universal health insurance schemes.

Key words: health insurance, social health protection, social protection, universal health cover

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