Health Mutual Fund

Sanofi is helping to improve the lives of the most excluded communities and enabling vulnerable families to have easy access to healthcare and be financially protected against health risk in India.

Health Mutual Fund

Due to the lack of a universal social protection system, Sanofi and Inter Aide introduced an innovative model of social protection for the poorest families living in certain districts of Pune and Mumbai. The Health Mutual Fund aims to break the vicious circle of poverty compounded by diseases. The Sanofi Espoir Foundation is supporting the implementation of participatory mutual insurance schemes that provide health coverage to very low-income families living below the poverty line. Its clear objective is to empower the most advantaged communities to improve their living conditions by themselves. 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); and further preventive health activities (free medical consultations, healthcare briefings).

In total, 5 mutual health insurance services were created in the townships of Pune and Bombay, what represents 55 272 members and a network of 300 partner structures of health. In 2013, 3,437 insured people benefited from free medical consultations.


  • Sanofi Espoir Foundation

    Advocacy NGO
    United States | Staff size: Unknown

    The Sanofi Espoir Corporate Foundation was created in October 2010 by Sanofi to leverage more than 15 years of commitment to international solidarity.

    It is dedicated to...

  • Inter Aide

    Implementing NGO
    United States | Staff size: 6-25

    Founded in 1980, Inter Aide is a humanitarian organization specialized in the realization of development programs, which aims to improve access to development through programs that meet specific...

  • Uplift Mutuals

    Implementing NGO
    Staff size: 6-25

    Uplift Mutuals is the flagship programme of Uplift India Association and is a registered not for profit organization in India. Uplift Mutuals is the pioneer of community owned and managed risk...

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Key Information

LocationIndia, South Asia
  • Start Date 2003