Togo: INAM will implement the tontine insurance system

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The National Institute of Health Insurance (INAM) will in the coming days launch the “tontine insurance” unit. This device designed for the registration and collection of contributions from insured persons in the informal sector was presented on Friday in Lomé to media professionals. The aim is to make them aware of the operation and benefits of the “tontine insurance” system.

The mechanism in question is a tool to recruit and collect contributions from actors in the informal sector. It was created within the framework of the universal health insurance (AMU) for actors in the informal sector, especially artisans, traders, dealers.

About 50 media attended this information and discussion session. The opportunity provided participants with tools for the operation and benefits of the “tontine insurance” system.

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“The Tontine insurance system makes it possible to digitize formalities and health insurance operations through a secure IT platform. It allows artisans, traders, vendors and other workers in the informal economy to complete registration formalities and pay health insurance contributions wherever they are online. Through this system, most services of INAM, the organization that administers universal health insurance, will be dematerialized,” explained Komigan Adogli, director of research strategy and statistics at INAM.

Tontine insurance from INAM

In the coming days, workers in the informal sector can register from a mobile phone, computer or tablet without having to go to the INAM offices.

The “Tontine insurance” system also allows you to pay your contributions by money transfer (Tmoney or Flooz) in installments and with a frequency adapted to the activities in the form of a tontine. Approved legal entities called aggregators are identified by INAM to provide the enrollment and contribution service to policyholders who want it.

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As a reminder, the “tontine insurance” system was created by the government with financial support from the United Nations Development Program (UNDP) and technical support from the Computer and Computing Center (CIC) of the University of Lomé. This will be done through the Informal Sector Health Insurance Mechanism Project and Care for the Ney (PMAMSIN).

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