Kenya-based pilot that bundled hospital cash, digital loans, and mobile health tools to increase access and affordability. MicroEnsure piloted Fearless Health by combining hospital cash benefits with mobile-enabled digital health loans to support underserved Kenyan populations.

Field accident insurance – PROFIN Foundation. This case highlights a specialized microinsurance product developed in Bolivia to cover medical expenses resulting from injuries during official soccer, basketball, and volleyball matches. Distributed through sports associations, the product is tailored to the needs of amateur athletes and addresses a previously uninsured risk segment. It showcases how inclusive insurance can be adapted to community-based distribution and activity-specific protection.

Case brief: TUNAJALI. "Tunajali" — meaning "we care about you" — is an inclusive e-commerce insurance initiative developed to serve low-income customers across Latin America and the Caribbean (LAC). The program leverages digital platforms to provide accessible health insurance, with a focus on simplifying enrollment and claims processes. It demonstrates how tech-enabled delivery models can overcome traditional barriers and scale protection for vulnerable populations.

Describes FCMBeta Health, a women-focused micro health insurance product in Nigeria, bundled with micro-loans, offering hospital cash and maternity coverage. Over 90,000 enrolled by 2025.

India's national public health insurance scheme for the poor, offering smart card–enabled, cashless hospitalization to over 37 million low-income families. This flagship initiative aims to enhance access to healthcare and financial protection for the most vulnerable populations across the country.

A 2024 case-control study evaluating M-FUND, a microinsurance scheme for migrant workers in Thailand, showing increased health service usage among insured populations.