Strengthening the Health Insurance Regulatory Framework in Egypt
2007–2010 || U.S. Agency for International Development
Through USAID’s multi-sectoral $125 million Technical Assistance for Policy Reform II (TAPR II) project, Deloitte helped the Government of Egypt (GOE) strengthen the legal and regulatory framework that supports its health insurance sector. Overall, TAPR II aimed to provide a consolidated source of technical assistance - as well as related training, grants, and reform support - for economic policy formation and private sector development. The health insurance reform aspect of the project supported the GOE in promoting and regulating the private health insurance industry by providing training aimed at private health insurance companies, drafting the private health insurance law, and strengthening the capacity of the Egyptian Insurance Supervisory Authority (EISA) to regulate the market. The project also provided technical support to the Ministry of Health with drafting the social health insurance law with the aim to increase coverage to all Egyptians and curb costs.
The private health insurance sector was already active and operating for years in Egypt without any regulation and had created many practices that did not conform with leading practices and international standards. On the other hand, the social health insurance sector only provided coverage to half the population and was financially dependent on state subsidies. The challenge in both cases was creating regulation that would take into account current economic, political and social practices while meeting international leading practices.
Deloitte assisted the Egyptian Ministry of Health (MOH) and the Egyptian Insurance Supervisory Authority (EISA) in drafting the social health insurance law and the private health insurance law respectively. Deloitte also facilitated public presentations and media workshops in order to educate the public and facilitate stakeholder buy-in. These efforts resulted in the legal framework for the government-sponsored laws and helped secure support from private health insurance companies in the case of the private health insurance law. In addition, Deloitte provided EISA with tools to help strengthen its regulatory role in the areas of supervisory capacity, adequacy of laws and regulations, training, and building capacity for supervision of private health insurance companies and managed health care organizations.
Specifically, the Deloitte team supported the MOH and EISA through the following activities:
Deloitte's involvement with TAPR II left the GOE with an inclusive legal regulatory framework, a more effective EISA, and the tools and training to allow it to develop for decades to come. Deloitte's support in improving these structures allowed the GOE a more stable base from which to grow its health insurance sector, and ultimately increase access to quality health care services to its people.
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