The most common diseases in households are simple malaria (94%); all form of headaches (72%); fever other than malaria (72%); severe malaria (54%); abdominal pain (50%); acute respiratory infections, influenza, angina, colds, coughs (48%); nontraumatic wounds plus abscess (24%); non-digestive parasitic infections (23%); Rheumatoid arthritis (18%).
All this data was communicated on Tuesday in Lome as the result of a study initiated by the Togolese government with the support of the African Development Bank (AfDB) through the project to support integration and the employability of young people in the growth sectors (PAEIJ-SP).
It is a feasibility study leading to the establishment of a health insurance for farmers.
"This study will allow decision-makers to have indicators to make decisions to relieve our hard-working farmers," says Adote Akwei Delai, insurance consultant, director of LORICA Cabinet retained for the study. The goal is to break the cycle of impoverishment of the farmer and allow him to be supported by a health structure.
What to keep as lessons?
On the basis of health care costs and given the financial capacity of farming households, the pilot phase study proposed several baskets of possible treatment. More than a quarter of the respondents admitted having stopped farming for at least two years and 65% of this population stopped for health problems.
"So, we see that the impact of an episode of disease is enormous on the farm household, who is very often forced to sell part of his harvest in order to be able to cope with the care of his health. Hence the importance of putting in place a health insurance for our valiant farmers that contributes more than 40% to the national GDP ", justifies Mr. Akwei.
A sample of 433 households spread over the entire territory (Savanes 17%, Kara 17%, Centrales 13%, Plateaux 32% and Maritime 21%), the study whose provisional report was validated Tuesday in Lome, recorded a rate of 98% favorable opinion to health insurance.
"The challenge for us was to find the cost that is affordable for them to have access to equitable health care", Akwei told agridigitale.
The study revealed that farm households have different levels of income depending on the areas exploited, hence the need to consider households in relation to income in order to find the ideal contribution.
"We have managed to reach a consensus on a minimum premium that varies between 4000 and 5000 CFA per person that can be the basis so that we can have a minimum health coverage for farmers", reports the boss of LORICA.
For vulnerable people representing 40%, the cost may seem high but the study recommends that development organizations (IFAD, World Bank, GIZ ...) can be involved in this health insurance system.
The study also believes that the National Institute of Health Insurance (INAM) with its experience is sufficiently equipped to ensure the implementation. However, the role of mutual health structures alongside INAM should be encouraged.