7. UNIVERSAL HEALTH COVERAGE

We focus on our intent to build Sustainable One Health Communities (SOHCs) comprising six primary components

Figure 7. PHYSIOLOGICAL FEATURES OF A SUSTAINABLE ONE-HEALTH COMMUNITY
  • A co-operative Society of Ubricans (CSU) constituted by our members drawing from local communities.
  • Produce/product workshops for improving quality and packaging of things produced by our members.
  • A retail store that serves as a market for produce and products by members of the CSU.
  • A one-health clinic that provides clinical services to members of the CSU.
  • A web/mobile platform (http://shop.ubrica.com/) for managing the commerce issuing from the retail system.
  • A biomedical industrial city

The retail store, the one-health clinic, the co-operative workshop and e-commerce platform activates the 4th element of health production. We have designed SOHCs to overcome grand challenges in global health. We recognize the critical role of animals, environment, and economy in human health. We believe that sustainable health production in global health is a function of a system that integrates simultaneous operation of these four elements of human health, animal health, environmental health and economic health.

Our SOHCs are rooted in the conception that economic development is the most powerful means of health production. Economic development is the greatest cause of improvement in health.  Economic health, the 4th element of health production, is the primary driver of sustainable one-health in any community in the world. It is common knowledge that compared to a wealthy person a poor person is more likely to get sick; more likely to develop complications of disease; more likely to succumb complications and to develop disability due to disease, and more likely to die from a disease. It is impossible to improve health of a poor person in the long term, without improving the wealth of the person in the long term.
7.1. Fundamental Solution
When we strike a sale at Soko Janja, we divide the proceeds of produce/product sale into three fractions. One fraction goes back to the member, in form of profit. Second fraction goes back to our co-operative to meet operations and administration needs. The third fraction sits in a health fund this is what is called health risk pooling. A member seeking care at a health facility is fully covered. The owners of health facility are happy because they are assured of payment of the quantity and quality of their service offering.
7.1.1. Health risk pooling
Pooling refers to collecting money from many people in a group so that the money collected is then used to pay for health services for its members.   Pooling risks together allows the higher costs of the less healthy to be offset by the relatively lower costs of the healthy. Pooling ensures that the risk related to financing health is borne by all the members of the pool. Its main purpose is to share the financial risk associated with disease, disability and death for which there is uncertain need.

Smith and Witter (2004) explained that there are four classes of risk pooling comprise (a) no risk pool, under which all cost lies with the individual; (b) unitary risk pool, under which all cost is transferred to a single national pool; (c) fragmented risk pools, under which a series of independent risk pools (such as local governments or employer-based pools) are used; and (d) integrated risk pools, under which fragmented risk pools are compensated for the variations in risk to which they are exposed. Small, fragmented risk pools, which are the norm in developing countries, have seriously adverse outcomes for the users of the health system and PSC will help overcome the problem.

7.2.2. Poled Smart Contract

Each individual holder of Ubricoin will receive a smart contract to use health services at a URCC at the time of need Ubric6oin holders who will shop at Soko Janja, practice healthy behaviors will get loyalty point inform of Brevises. The Brevises will go to the pooled smart contract to be used to access health care services in the URCCs. The smart contract will cover preventive and curative services for the holder by the contract. Pooled smart contract will recreate a pooled smart contract (PSC) that will act as health risk pooling.

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