MAKING A DIFFERENCE IN AFRICA
A health delivery and financing system where an enrolled population pays a fixed annual fee (capitation) to a medical provider for access to health services as needed.
BGiL Klinika is dedicated to increasing affordable access to quality health care in Sub-Saharan Africa, in the pursuit of this objective, we contribute not only to healthier populations but also in social and economic development.
There are many models for finance and delivery of medical services, among which are self- financing (out of pocket as need arises) and various forms of risk pooling. The high cost of medical care, particularly in case of hospitalization, makes self financing out of reach for all but the wealthiest members of society. Thus risk pooling - where a large number of people contribute a small amount each year, or the benefit of the relatively few who actually become ill - has gained a significantly greater role in a lot of settings in Africa.
In most developing countries in Sub-Saharan Africa with limited resources, the challenge is to ensure that resources available are put to their most efficient use, and it is therefore important for the private sector to offer creative alternatives to government health care provision. BGiL Klinika offers affordable high quality medical services in the market based on the principals of Provider-based Managed Healthcare. This form of risk pooling eliminates the need for costly middle men, such as insurance companies, by making the medical provider itself a repository for the pooled funds.
The provider, instead of investing in the stock market, or interest bearing bonds, uses member funds to build hospitals, clinics, invest in medical equipment and facilities to be used for patients as need arises. This direct link from patient to provider offers the most efficient solution in reducing costs while providing a regular and predictable source of income for the provider.
Good health is wealth. Besides the fact that there's an intrinsic value of health that is a human right, the economic case for investing in healthcare is robust. Experts agree that improved healthcare in Africa is essential for sustainable development. Healthier citizens are more productive, earn more, consume more, work longer, all of which have a positive impact on the Gross Domestic Product of a country. Better health also reduces the financial cost of healthcare for the family, the community, the private sector and the government.BGiL Klinika
According to consultancy firm – McKinsey, by 2016 the market for health care in Sub-Saharan Africa will be worth $35 billion, however a skills shortage is constraining it since the continent is reckoned to host a quarter of the world's disease burden but only has 3% of its medical workforce. The World Bank reckons an additional 90,000 doctors and 500,000 nurses will be needed in the next few years. The private sector has a positive role to play within the broader context of Sub-Saharan African countries health care systems by expanding access and improving quality and efficiency.BGiL Klinika