Posted on 01.09.2022 at 10:59 by Nana Kamsu Kom
A round table on health insurance was held on Wednesday, August 31, 2022, at the Muna Foundation, Yaoundé. The Nkafu Policy, a think tank of the Denis and Lenora Foretia Foundation organized this session where challenges and recommendations were highlighted to provide favorable sanitary conditions.
The event brought together health researchers, civil society organizations, private health insurance companies and policy makers, who seek to improve insurance coverage in the private sector. Insurance schemes help the government fund health care, improve access to health care services, and promote universal health coverage. Despite the many private health insurance schemes in Cameroon, only 36.1% have access to the health center.
A panelist, Item Gustave, head of the Health department of Alliance Insurance explains that Cameroon faces many challenges in terms of insurance and more particularly in the health sector. He hits on the communication plan used by these private insurance companies and the government. People hardly know what health insurance is, its importance or its benefit. The layman believes that this is a structured policy only for the elites.
The panelist ended up evoking a cultural problem with the Cameroonians. The young and the old were not brought up or educated to include an insurance plan as a life companion. This alone explains a high spike in poor health, as many are unaware of the possibility of saving in the event of health problems.
Meanwhile, Mr. Eyono Esono, visionary of a major insurance company in Cameroon defends the fact that ” The insurances are for the Elite class”. The businessman claims that private insurance companies focus only on the profit made and not on social welfare, “Social welfare remains a task for the government, let each body play its part , we, the private sector, set the bar for those who can afford it and let the government through companies like CNPS work for the betterment of the population”.
President Paul Biya prescribed in 2015 to the CNPS to cover up to 20% of the population by 2022. Today, the social insurance fund represents only 2%. Mr. Benge, a representative of the CNPS specifies that those who opt for the health insurance policy come under the voluntary contribution where you decide the amount of money to be saved monthly or annually. On the other hand, the State obliges all employers to register all employees where 8.4% of wages will be cut monthly, this part will then be used either as a retirement pension or as health savings in the event of illness or death. accident of a worker. professional constraints. This structure does not have an exclusive pack on health insurance, which the State must study.
So far, little or nothing is being done to improve the role of health insurance in Cameroon. The panel suggests that social policy should embrace this critical condition and inculcate it into the culture of society. Only 36% of the population have access to health facilities, most of which are in urban areas. The government is called upon to decentralize health structures to allow access to hospitals. In doing so, insurance companies will survey these areas to attract more customers.