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MARKETWATCH
Innovation In Namibia: Preserving Private Health Insurance And HIV/AIDS Treatment
Onno P. Schellekens,
Ingrid de Beer,
Marianne E. Lindner,
Michele van Vugt,
Peter Schellekens and
Tobias F. Rinke de Wit
Namibia, a lower-middle-income country in sub-Saharan Africa, suffers from a huge HIV/AIDS burden. An influx of donor funding in 2004–2007 increased support for publicly provided HIV care and treatment. This raised concern that private funding would be "crowded out," thereby leading to a reduction in the overall resources used to treat patients. In 2006 the Namibian medical aid industry, with donor support, created a special fund to subsidize private health insurance, including HIV/AIDS services. The program allowed both low- and higher-income people to be covered. Crowding out valuable private resources was avoided and the quality of HIV/AIDS services improved.

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