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.

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.

WFP piloted an inclusive weather-index insurance scheme for ~4,800 people in El Salvador, targeting women entrepreneurs and people with disabilities. The product enabled fast payouts during climate shocks and removed traditional credit-based enrollment barriers.

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.