Compare: Population covered

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 Target population Coverage Population covered
Estonia: Estonian Health Insurance Fund
  • All populations
1.28 million

Health insurance through EHIF is mandatory. There are three main categories of enrollees:

  • Those who make their own contributions: These enrollees contribute 13% of their wages. They primarily include employees and the self-employed. This group makes up 51% of the systems’ enrollees.
  • Those whose contributions are covered by the state: these enrollees are composed of individuals on parental leave, the unemployed, the disabled, military personnel, and dependent spouses of diplomats. This group makes up 2.5% of the systems’ enrollees.
  • Those who are eligible for coverage without contributing: these enrollees include children up to 19 years of age, pensioners, disabled people with special pensions, students, non-working spouses of insured individuals, and non-working pregnant women. This group makes up 46.5% of the systems’ enrollees.
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Health insurance through EHIF is mandatory. There are three main categories of enrollees:

  • Those who make their own contributions: These enrollees contribute 13% of their wages. They primarily include employees and the self-employed. This group makes up 51% of the systems’ enrollees.
  • Those whose contributions are covered by the state: these enrollees are composed of individuals on parental leave, the unemployed, the disabled, military personnel, and dependent spouses of diplomats. This group makes up 2.5% of the systems’ enrollees.
  • Those who are eligible for coverage without contributing: these enrollees include children up to 19 years of age, pensioners, disabled people with special pensions, students, non-working spouses of insured individuals, and non-working pregnant women. This group makes up 46.5% of the systems’ enrollees.

In order to receive services, patients must show their national identification card to providers. An online information system is used to verify that the card is valid and to provide details of insurance status and family doctor.

Kyrgyz Republic: Mandatory Health Insurance Fund (MHIF)
  • All populations
5.2 million

Kyrgyzstan offers free primary health care services to all citizens through the State Guaranteed Benefits Package (SGPB) regardless of insurance status. By 2003, 98% of the population was enrolled with a Family Group Practice (FGP) for their primary health care needs.

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Kyrgyzstan offers free primary health care services to all citizens through the State Guaranteed Benefits Package (SGPB) regardless of insurance status. By 2003, 98% of the population was enrolled with a Family Group Practice (FGP) for their primary health care needs. Enrollees choose a FGP of their choice and are free to move between FGPs once per year during the annual registration period.

Population groups covered by the MHIF include formal sector employees, civil servants, pensioners, the registered unemployed, children and students under age 21, welfare benefit recipients, farmers, and the self-employed. In 2001, over 80% of the population was covered by the MHIF.

Table 3: Coverage additions (1997-2001): Population groups, sources of financing and benefits

Population groupYearSource of financingServices provided (depth of coverage)
Formal sector employees, except civil servants19972% from the wage bill administered by the Social Fund (SF)Drugs at hospital level, salary bonuses
1998Emergency care at the primary level
2000Additional/outpatient drug package
Civil servants19982% from the wage bill administered by the SFDrugs at hospital level, salary bonuses
2000Additional/outpatient drug package
Pensioners1997Value of 1.5x minimum salary administered by the SF (Pension Fund)Drugs at hospital level, salary bonuses
1998Emergency care at primary level
2000Additional/outpatient drug package
2003Republican budgetCoverage unchanged
Registered unemployed1997Value of 1.5x minimum salary administered by SF (Unemployment Fund)Drugs at hospital level, salary bonuses
1998Republican budgetEmergency care at primary level
2000Additional/outpatient drug package
2002Effectively not covered: no funding provided this group by Republican budget
Children and students under 212000Value of 1.5x minimum salaryDrugs at hospital level, salary bonuses
Republican budgetEmergency care at the primary level
Additional/outpatient drug package
Welfare benefits recipients2000Value of 1.5 minimum salaryDrugs at hospital level, salary bonuses
Republican budgetEmergency care at the primary level
Additional/outpatient drug package
Farmers19972% of the land tax administered by SF (5% in 2000, 6% in 2003)Drugs at hospital level, salary bonuses
Emergency care at primary level
2002Health insurance policies (400 KGS = US $10/year) administered by MHIFCoverage unchanged
Self-employed19982% of the value of 3x minimum salaryDrugs at hospital level, salary bonuses
Emergency care at primary level
2000Additional/outpatient drug package
2002Health insurance policies (400 KGS = US$10/year) administered by the MHIFCoverage unchanged

Source: Jakab, M., and Manjieva, E.

: Taiwan: National Health Insurance
  • All populations
23 million

Participation in the National Health Insurance (NHI) system is mandatory to ensure adequate risk pooling and the efficient broad-based collection of funds. Since NHI was implemented in March 1995, enrollment increased to 92% by the end of 1995, and 97% by 2001. The Bureau of National Health Insurance (BNHI) collects premiums and enrolls new members.

BNHI provides each participant in the program with a smart card that contains their basic medical data.

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Participation in the National Health Insurance (NHI) system is mandatory to ensure adequate risk pooling and the efficient broad-based collection of funds. Since NHI was implemented in March 1995, enrollment increased to 92% by the end of 1995, and 97% by 2001. The Bureau of National Health Insurance (BNHI) collects premiums and enrolls new members.

BNHI provides each participant in the program with a smart card that contains their basic medical data. They can use this card at any clinic or hospital in the country, with a small co-pay. The smart card is a valuable tool for maintaining data on patients, and reducing insurance fraud, overcharges, and duplication of medical services.

Mexico: Seguro Popular
  • Below Poverty Line
  • Informal Sector
48 million

Enrollment in the SP takes place on a per-family basis. A family is composed of the father and/or mother, children and adopted children younger than eighteen or minors younger than eighteen who are dependents and live in the same household, those older than sixty-four years of age who live in the same household, single student children up to age twenty-five, and disabled children. Upon enrollment, families receive a pamphlet with their rights and duties that outlines the health interventions and services to which they are entitled.

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Enrollment in the SP takes place on a per-family basis. A family is composed of the father and/or mother, children and adopted children younger than eighteen or minors younger than eighteen who are dependents and live in the same household, those older than sixty-four years of age who live in the same household, single student children up to age twenty-five, and disabled children. Upon enrollment, families receive a pamphlet with their rights and duties that outlines the health interventions and services to which they are entitled. The SP was intended to be rolled out at the health center level. Regions were permitted to enroll individuals only if they had sufficient facilities and human resources to provide adequate care under the program. Enrollment took place at the municipal level, which meant that many municipalities without adequate facilities were not initially able to accommodate large-scale enrollment. State ministries of health are responsible for promotion of the SP program. Voluntary affiliation takes place on a quarterly basis, but enrollees must wait until the following trimester to begin receiving services. Due to the voluntary nature of the program, enrollees must choose to re-enroll annually.

At the start of the program, the primary strategies for enrollment focused on large-scale affiliation campaigns for vulnerable families. Strategies that have been used to aid in the enrollment and re-enrollment process have included the following: coordinating enrollment activities with other programs targeted to poor populations; promoting enrollment in public gathering places like markets and health clinics; communicating with state and local governments to help identify priority populations; collaborating with local governments to speed the processing of official documentation; re-enrollment invitations through mass-mailings to current enrollees; using mass-marketing campaigns to motivate re-enrollment; and launching special brigades for special enrollment campaigns in localities with low levels of enrollment or re-enrollment. However, due to the fact that there were annual quotas on the number of new enrollees, certain states limited the size of their communication campaigns.

During the first years of the SP targeted populations were given priority affiliation. These included those living in rural regions, those who belonged to poverty alleviating programs such as Oportunidades, and indigenous populations. As of 2009, special targeted populations included newborns and pregnant women. Moreover, the last few years have seen the growth of unemployment leading many families to lose their rights to public services such as IMSS or ISSSTE, which has led to an expansion of the enrollment goals for SP beyond what had previously been established.

During the two years of the pilot program between 2001 and 2003, 614,000 families were affiliated. By the end of 2006, this number had increased to 4 million families. In terms of percentages, in 2005 the SPSS covered approximately 14% of the previously uninsured population. By 2009, this number had reached in excess of 90% of the uninsured.

Table 1: Affiliation Coverage per State, 2009

StateFamilies Eligible to AffiliateAffiliated FamiliesPercent Coverage
Guerrero453,086356,84078.76
Sonora220,580186,38584.5
Baja California287,255246,87285.94
Puebla600,167533,98588.97
Durango136,791122,13389.28
Michoacán431,638385,90689.41
Zacatecas213,695196,83592.11
Oaxaca604,530562,69293.08
México1,145,9861,069,50999.33
Tamaulipas348,392335,759 96.37
Colima91,64488,59496.67
Chiapas697,769681,71197.7
Nayarit143,256140,16097.84
Nuevo Leon228,323223,68297.97
Morelos222,175218,28698.25
Sinaloa245,675243,38699.07
Hidalgo338,799335,72999.09
Distrito Federal420,901417,83499.27
Baja California Sur45,06042,54594.42
Quintana Roo109,337108,68399.4
Tlaxacala180,006179,14799.52
Guanajuato673,749676,987100.48
Chihuahua244,316246,155100.75
Yucatán200,2842,002,097100.91
Jalisco572,002577,856101.02
Campeche117,869119,281101.2
Querétaro159,642163,407102.36
Aguascalientes123,148126,070102.37
Veracruz700,126719,806102.81
Coahuila157,516161,955102.82
Tabasco433,397445,920102.89
San Luis Potosi271,271282,282104.06

Source: Secretaria de Salud

Thailand: Universal Coverage Scheme
  • All populations
50 million

The Universal Coverage Scheme enrolls those not covered by either the Civil Servant Medical Benefit Scheme (CSMBS) or the Compulsory Social Security Scheme (SSS) – about 74% of the entire population. To be enrolled in UCS, all members must register with a contracting unit (CUP) and receive a card for care in their home area. When first implemented, potential beneficiaries were identified by health volunteers and medical personal, as well as through mass communications and media campaigns.

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The Universal Coverage Scheme enrolls those not covered by either the Civil Servant Medical Benefit Scheme (CSMBS) or the Compulsory Social Security Scheme (SSS) – about 74% of the entire population. To be enrolled in UCS, all members must register with a contracting unit (CUP) and receive a card for care in their home area. When first implemented, potential beneficiaries were identified by health volunteers and medical personal, as well as through mass communications and media campaigns.

A centralized registration database, which is updated regularly, is also a useful tool in identifying and enrolling beneficiaries in the USC scheme. The central registration database consolidates information on the entire Thai population, and includes registration information of the CSMBS, the SSS and the UCS. When patients seek care, their entitlements are checked with the centralized online database to ensure that they are enrolled in an insurance scheme. If the database shows that that are not members of the CSMBS or the SSS, they are asked to register for the UCS at that time.