Mandatory health insurance in Benin: strengthened measures for

Law No. 2022‑17 of October 19, 2022 makes health insurance mandatory for anyone residing in the country. This reform is part of the State’s commitment to expand universal health coverage, a central objective to improve the quality of life of Beninese citizens. Decree No. 2023‑327 of June 21, 2023 specifies the practical arrangements for implementing this scheme.

A particular focus on vulnerable populations

For people in situations of extreme poverty, ARCH (Assurance pour le Renforcement du Capital Humain) covers the full payment of contributions.

Individuals identified as “non‑extreme poor” receive a subsidy covering 50 % of their premium. Public sector employees, low‑income retirees, students and self‑employed workers are also included in these new measures.

The basic benefits package covers a wide range of services, including treatment of trauma, childhood infections, malaria, diarrhea, as well as hospitalizations and childbirth.

Employers, both public and private, are required to cover at least 80 % of the premiums for their employees, thereby ensuring access to care for a greater number of citizens.

Objectives and challenges

This reform aims to reduce health inequalities and strengthen social protection. However, the government still faces several challenges: accurately targeting vulnerable populations, ensuring sustainable financing of the system, and guaranteeing the quality of services.