Access to care
We negotiate preferential rates for beneficiaries with hospitals, clinics, medical centres, laboratories and pharmacies.
- Lower cost for consultations and tests
- Illness treated earlier
- Fewer people giving up care for financial reasons
The Monassurance programme
Mona-Santé
An inclusive route to healthcare and social protection
A mechanism that makes care reachable, built on partnerships with health facilities: negotiated rates, payment terms matched to real incomes, and a first layer of insurance cover.
Make care reachable today, build tomorrow's protection.
01
What we found
Our outreach with families, associations, community groups and businesses keeps surfacing the same thing.
The need is understood
Most people know health insurance matters and want to be covered.
The money is not there at the right moment
Households, informal-sector workers, association members, cooperatives and savings groups cannot raise the cost of standard cover up front.
The consequences are heavy
When care is needed, many postpone treatment, borrow informally, or give up on the care entirely.
02
A bridge, not another box to tick
Mona-Santé sits between having no cover at all and standard health insurance. It is a first step, designed to be stepped off.
- Starting point
No cover
Every health expense is paid in full, at the moment it arises.
- The programme
Mona-Santé
Negotiated rates at partner facilities, spread payments and a first layer of insurance cover.
- What comes next
Health insurance
Full health cover, taken out once circumstances allow.
03
The three pillars of the programme
Flexible payments
For many people the obstacle is not the cost of care but the impossibility of raising the sum immediately. Depending on the agreements reached with partners, beneficiaries access care with timelines or instalments matched to their income.
- No requirement to pay everything up front
- Less reliance on informal borrowing
- The household budget stays intact
Insurance protection
Beyond access to care, the programme includes insurance guarantees that gradually build beneficiaries' familiarity with insurance.
- Family civil liability
- Personal accident cover
- Protections matched to the needs of the member group
04
Who is Mona-Santé for?
Families
Low and middle income households that want better access to care while keeping health spending under control.
Associations
Professional, cultural, sporting, religious, social and community associations that want a solidarity mechanism for their members.
Mutuals and groups
Savings groups, cooperatives, common initiative groups, community mutuals and village organisations looking for a collective route to care.
Businesses
SMEs, micro-businesses, shops, workshops and informal-sector organisations that want to offer a social benefit without immediately carrying the cost of a full health scheme.
05
What the programme changes
- Better access to care
- Fewer financial barriers to health
- Stronger social protection
- Prevention encouraged
- Community solidarity developed
- A gradual path towards standard health insurance
- A real gain in everyday wellbeing
Want to know what Mona-Santé would look like for you?
Tell us about your household, your association or your team. An advisor comes back to you with a costed proposal.