1. Migration & Microinsurance Migrant workers and their families face various barriers to access health services and social protection. Needs/products/models Repatriation, accidents & death, health Home/host/hybrid models Initial lessons drawn from international experiences Legal and regulatory constraints Marketing target : migrants or family members? Migrant workers’ status Partner selection: key role of diaspora associations Financial literacy and consumer education for migrant family members Health microinsurance: few experiences/ operational challenges

2. Health micro insurance for family members in Senegal (feasibility study) – main lessons learned CHALLENGESOPPORTUNITIES Number of dependantsPriority for 76% of interviewees (family members) Contribution capacities are limitedRemittances are regular & significant Diaspora mobilisationInvolvement of diaspora association & migrants’ families Trust Transparency & Sound management -Migrants & local communities’ involvement in a Supervisory board -Data & risk management delegated to professionals -Progressive development To create new structures (mutual/associations)Link with national social security scheme Coverage of families with no members in the family being a migrant worker Possible to include them in a 2 nd phase Quality of health care servicesTo improve access to health services Key to stimulate contribution

3. Thank you for your attention ! Samia Kazi Aoul International Migration Branch BIT Genève +41- 22-799 7182 kaziaoul@ilo.org http://www.ilo.org