Compare: Benefits package

Joint Learning Network for Universal Health Coverage

The Joint Learning Network for Universal Health Coverage systematically documents the reforms of its member countries and other countries that have expanded health coverage through demand-side financing. The case studies contained in these pages are brief, comparative and modular in nature, describing the key highlights and technical features of each program.


Compare various dimensions of country reform efforts using our interactive tool.


Program Types of benefits Benefits package
Mali: Mutuelles
  • Comprehensive

The social protection policy aims to have the three systems cover the same services. The laws and decrees assured consistency in the services between the AMO and RAMED when the two organizations were founded.

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The social protection policy aims to have the three systems cover the same services. The laws and decrees assured consistency in the services between the AMO and RAMED when the two organizations were founded.

For the Mutuelles, payment for services is not yet consistent. The risks that the Mutuelles cover as they exist today in Mali are paid for partially or completely for the following:

  • Preventive and promotional health: pre- and post-natal consultation, monitoring of healthy infants, vaccination, family planning, health education, sanitation, etc.
  • Curative care: consultations, nursing care, drugs, laboratory tests, chronic diseases, malnutrition and nutritional rehabilitation, etc.
  • Hospital care: hospital stays, medical and surgical procedures, and drugs
  • Specialized care: consultation of specialist physicians, medical procedures such as radiology, clinical biology, dental and eye care, etc.
  • Patient transportation: emergency transportation, referrals

Most Mutuelles limit themselves to the services provided at the first level of contact, which is the community health center (CSCOM), where patients receive the first level of care, but not for the more costly risks. The national Mutuelle extension strategy seeks to bridge this gap through the Mutuelle Support Fund by paying for care at the secondary and tertiary levels. With regard to standardizing the services that are covered, the starting point is the package of services covered by the AMO and RAMED, with certain modifications possible for more comprehensive coverage of preventive care, in particular for reproductive health.

Table 3: Package of services covered, 2010

SystemServices covered
AMO and RAMED
  • Outpatient care (medical consultations, nursing care, dental care, medical imaging, laboratory tests and minor surgery)
  • Hospitalization (hospital stay costs, medical procedures, surgery and medical techniques, transportation expenses)
  • Pharmaceuticals (list of approved drugs)
  • Maternity services (medical and drug costs, tests, hospitalization for pregnancy, delivery and its effects up to week 8)
Mutuelles
  • Preventive and promotional health (Pre- and post-natal consultation, monitoring healthy infants, vaccination, family planning, health education, sanitation, etc.
  • Curative care (Consultations, nursing care, drugs, laboratory testing, chronic diseases, malnutrition and nutrition rehabilitation, etc.)

Source: Ministry of Social Protection

India: Rajiv Aarogyasri
  • Primarily Inpatient

The Aarogyasri benefits package includes 942 surgical procedures and 144 medical diseases. The system is entirely cashless and there is no deductible or co-payment for seeking care.

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The Aarogyasri benefits package includes 942 surgical procedures and 144 medical diseases. The system is entirely cashless and there is no deductible or co-payment for seeking care.

30 groups of doctors from the Government and corporate hospital sectors were consulted to develop the benefits package for Aarogyasri. Through a series of these consultations, Aarogyasri benefits have been agreed upon to include 389 surgical procedures and 144 medical diseases. A list of all benefits and associated reimbursement to hospitals can be found on the Aarogyasri web site.

There is no deductible or co-payment for seeking care, and because the system is entirely cashless patients are admitted, treated, and discharged without exchanging any money. Immediate pre- and post-operative expenditures are included in package rates to minimize the other financial expenses to the patient.