The Angono Health Micro-Insurance Scheme (AHMI)
Following the general notion that “health micro-insurance
is needed in time of sickness and other related incidents” the PATAMABA
and the Angono Informal Sector Council, with the support of ILO-STEP,
are in the process of developing a community-based health micro-insurance
program. With its organizational structrure in place, prospective beneficiaries
(PATAMABA members and the majority of informal sector workers in Angono),
will be required to shell out a minimal monthly contribution of P50.
After four long years of advocacy, PATAMABA Angono, which has a total
membership of 56 self-employed and subcontracted workers in the moribund
embroidery industry, became the partner organization for land distribution
under the Community Mortgage Program. PATAMABA members, who were also
informal settlers, spearheaded the formation of PATAMABA Housing Association
(PATAMABA HOA), whereby members would build on lots amortized for 25 years
for only P247 to P310 per month. PATAMABA would also lead in the creation
of this new resettled community, which would also have a livelihood and
social protection component. 
Realizing that sustainability of the housing project would depend on
the community’s capability to address risks such as illness, death,
disability, old age, etc., PATAMABA Rizal worked out for inclusion in
the ADA program. This provided informal workers having no formal access
to social security coverage as employees, the entry to become SSS members.
The coordinator of Rizal, who is also the focal person for DOLE, oversees
the implementation and tracking the status of the program. The group facilitates
membership orientation, campaign and enrolment in the program including
the monitoring of monthly contributions. In the absence of the focal person,
the chapter coordinators assist in the organizing and recruitment aspects
of the program. The treasurer collects the monthly contributions and deposits
these in the bank.
Lately, PATAMABA leaders set up a production and marketing center where
they produce and sell soap, detergents, vegetable powder, Christmas balls,
candles and other crafts. Having these alternative livelihood activities
will contribute to the sustainability of housing and social security,
enabling the women to continue their payments.
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