What are the challenges for SHI schemes?
At the most general level, an enabling environment regarding favourable economic and legal conditions as well as a functioning banking sector and overall national affordability play a role for the implementation of a SHI scheme. Moreover, the success of a SHI depends on the capacity of countries • to collect contributions • to build institutions for the administration and management of the scheme • to ensure sustained political support through participation and social dialogue. • to meet the needs of the insured Challenges to introducing a SHI are different for formal economy worker and informal economy workers. For the collection of contributions, the levels are usually set as a certain percentage of wages. In economies, where the labour market is dominated by self-employed and the informal economy workers, collecting wage-related contributions is impossible. Running a SHI scheme requires certain sets of administrative skills and capacities for enrolling members, keeping records of sc
