International Social Health Insurance Actuary (Short-term)

at Palladium

Location:    Travels to Afghanistan

Company Overview

Palladium is a global leader in the design, development and delivery of Positive Impact - the intentional creation of enduring social and economic value. We work with foundations, investors, governments, corporations, communities and civil society to formulate strategies and implement solutions that generate lasting social, environmental and financial benefits.

For the past 50 years, we have been making Positive Impact possible. With a team of more than 2,500 employees operating in 90 plus countries and a global network of more than 35,000 technical experts, Palladium has improved - and is committed to continuing to improve - economies, societies and most importantly, people's lives.

Palladium is a child-safe organisation, and screens applicants for suitability to work with children. We also provide equal employment to all participants and employees without regard to race, colour, religion, gender, age, disability, sexual orientation, veteran or marital status.


Project Details

The Health Sector Resiliency (HSR) project is a USAID funded programme that supports the Government of the Islamic Republic of Afghanistan (GIRoA) to foster a strengthened, reformed, and increasingly self-reliant Afghan health system prepared for the decreased donor support anticipated over the coming decade. The Project acts as a resource and a catalyst to the Ministry of Public Health (MoPH) and other GIRoA entities as it considers and implements critical sector-wide reforms that are required to make the system more resilient and sustainable. The five- year project primarily focuses on governance, health finance and human resources for health and engages both the public and private components of the health sector.

Background and Scope of Work

Afghanistan, like most developing countries, is challenged by limited resources. Income levels are generally very low with widespread poverty. Afghanistan’s GDP[1] per capita in 2016 was US$562 compared to the average of US$964 among the least developed countries (LDCs). Unemployment rate is high at 23.9%. Eighty (80) percent of all the jobs are classified vulnerable employment. Moreover, 54.5% of the population live below the national poverty line while 44.6% of the entire population are affected by food insecurity (CSO 2018). Additionally, despite the income levels, due to insufficient access to quality health services in government health facilities, the population is exposed to catastrophic health expenditure. For example, in 2014, household out-of-pocket (OOP) health expenditure alone accounts for 71.8% of total health expenditure (THE), constituting about US$51 per capita (MoPH 2016).

Recently, there has been increased interest especially from the government of Afghanistan, to explore the possibility of implementing a national health insurance programme in Afghanistan as an alternative risk pooling mechanism towards improved healthcare delivery as well as a means towards reducing out-of-pocket expenditures. For instance, in March 2016, the President’s office issued a directive to the Ministry of Public Health (MoPH) to prioritize investigating how to implement health insurance for government employees in Afghanistan. In light of this, a new health insurance law has been drafted and currently being reviewed by the Ministry of Justice. Also, a Phase I health insurance feasibility study has been conducted which primarily assessed stakeholders’ opinions about health insurance and the enabling environment. Assessment of the demand-side of the health insurance market was not covered in this study.

Therefore, the Phase II feasibility study is conducted to provide further information on feasibility of health insurance in Afghanistan and outline a road map for implementation of the same. The Phase II feasibility study contains the following key activities:

  • Carry out a further situational analysis of the country context to examine the enabling environment for the introduction of health insurance in Afghanistan;

  • Define a Health Insurance (HI) benefit package;

  • Recommend a strategic purchasing mechanism for health insurance;

  • Conduct a willingness and ability to pay study for health insurance;

  • Train and provide relevant health insurance implementation tools to the Health Economics and Finance Directorate (HEFD) of the Ministry of Public Health (MoPH); and

  • On-an-ongoing basis, engage and mobilize stakeholders’ commitment towards the introduction of a health insurance programme in Afghanistan.

The Actuary is therefore expected to contribute to these efforts including:

  • Develop a methodology for actuarial analysis of health insurance benefit package;

  • Contribute to the definition of the 3 Health Insurance benefit packages

  • Contribute to the costing of the health insurance benefit packages

  • Undertake financial modelling of the 3 health insurance benefit packages;

  • Undertake the actuarial analysis of the benefit packages

  • Conduct an actuarial analysis training for the staff and partners of HSR;

  • Propose a financial and auditing system to ensure sound financial management of the intended health insurance programme



Outputs, Deliverables and Timelines

Below are the expected outputs and deliverables of the Actuary:






























A total of 31 consulting days are allocated for these activities and deliverables.


The Actuary must have at least these qualifications and expertise:

  • Be a qualified actuary from a recognised actuarial body and or has a higher degree (Master or PhD)  in Actuarial Science. An actuary with specialisation in health insurance is a plus;

  • At least 10 years of experience in major health insurance related projects;

  • Strong actuarial and financial expertise

  • Extensive experience in conducting health insurance actuarial assessment and analysis in developing countries

  • Good understanding of health insurance processes and costing

  • Good understanding of public sector financial set-up and processes

  • Excellent at facilitating high-level meetings and trainings

  • Strong analytical, technical, and problem-solving skills

  • Experience in working for international organizations such as USAID, UKaid etc.

  • Excellent report writing skills

  • Excellent English communication skills, both verbal and written is strongly desired

  • Prior work experience in Afghanistan and or other developing countries will be a plus.


TO APPLY: Submit your cover letter and resume to with the subject line “Palladium – Health Insurance Actuary"




LinkedIn: BroderickHaight Consulting


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