Table 1

Key RAMU policy features

CharacteristicsKey design of RAMU
Organisation formPublic health insurance scheme with general director of the NHI-Agency appointed by the government. It is a kind of Bismarckian social security model.
MembershipCompulsory for all citizen (formal sector workers, self-employed, poor, unemployed).
Regional distributionNational territory.
Fund collectionAnnual premium by affiliates, children less than 17 years old: 1000 XOF, Adult: 10000 XOF and Management cost : 2000 XOF.
Contribution of the poor households and recurrent costs are paid by the Government through Government budget transfer and donations from international organisations.
Risk-pooling and sharing levelManagement of the pool is done by NHI-Agency; No waiting period between enrolment and use of services.
Providers and payment mechanismsPublic-based and faith-based health centres and hospitals, Fees-for-services is the method of providers payments
Healthcare Benefit packagePreventive care, basic curative care, hospitalisation at the health centre, essential medicines on the NHI-Agency list, reference by ambulance to hospitals if referred by the attending health worker. Copayment: 0% at Health centre, 20% at hospital level except the poor
Identification strategy of the poorUnique method of identification was applied to idenfify those to be exempted from premiums.
  • Note: XOF: Benin currency, roughly XOF1=US$0.0017.

  • NHI, National Health Insurance; RAMU, RĂ©gime d’Assurance Maladie Universelle.