In rural Cambodia, poor households often suffer from ill health and injuries, which can
cause them considerable economic damage (Yagura 2005). To alleviate the impact of such
shocks and complement existing informal risk-coping mechanisms, a French NGO (NonGovernmental
Organization), GRET, introduced a community-based health insurance (CBHI,
or micro health insurance) program known as SKY to Cambodia's rural poor in 1998 (GRET
2011). Since 2012, a local NGO has taken over this program and continues to provide CBHI
under new schemes.