Health Mutual Fund

Partnership Objective

Health Mutual Fund program in India aims to improve access to health care for vulnerable families in slums.

Enabling vulnerable families to have easy access to healthcare and be financially protected against health risks in India. Enabling vulnerable families to have easy access to healthcare and be financially protected against health risks in India. Copyright Sanofi

What are the health needs and challenges? 

Inter Aide and ATIA*, with the support of the Sanofi Espoir Foundation, work with six local partners (Antyodaya, NSVK, Parvati, Prem Seva, SAI and Uplift) to provide mutual health insurance services to their members, who are micro-entrepreneurs generally excluded from any health coverage system. 

Description of partnership activities and how they address needs and challenges

Due to the lack of a universal social protection system, the association Inter Aide has introduced an innovative model of social protection for the poorest families living in certain districts of Pune and Mumbai called the Health Mutual Fund. When micro-credit becomes available, families consistently tend to join to a mutual health insurance scheme for a fee of 100 INR (€1.7 per person).

This entitles them to:

  • A refund for hospitalization worth up to 15,000 INR (about €260).
  • Access to contracted healthcare providers where rates are negotiated on average 30% below standard market prices.
  • A system of referrals and telephone support (a healthcare hotline available 24h/24).
  • Further preventive health activities (free medical consultations, healthcare briefings).


In December 2013, all MHOs covering 54,230 recipients or 14,058 families. In 2013, MHOs supported 603 hospitalizations and counted 28,591 participations in other services.


10th Anniversary of the Partnership

Partnership information

Company(ies) Sanofi

Partner(s) Annapurna, Anthyodaya, Inter Aide, Parvati, Uplift Mutuals

Type of Partner(s) NGOs

Therapeutic Focus Non-Communicable Diseases, Other

Disease(s) Arthritis & Osteoperosis, Diabetes, General Health, Hematology Disorders, Ophthalmology

Program Type(s) Availability of Treatment - Financial Support

Targeted Population(s) General population, Patients in needs of treatment, People with low income

Region(s) South Asia

Number of Countries 1

Country(ies) India

Start Date 2003

More information Sanofi Espoir Foundation

Completed date 2015

« A mutual health insurance subscriber since 2008, Rukimi has been able to benefit from the advice of a health facilitator and from a refund for 10 days in hospital. She says she is thrilled to belong to the mutual scheme. »

Case Study