Zinet Reta with twins, CBHI
Zinet Reta is a member of a community-based health insurance (CBHI) scheme in Kutaber woreda. Pregnant with twins and in critical condition, she was referred to a hospital, with life-threatening complications. She was further referred to a tertiary hospital, where she fully recovered after almost three weeks of treatment. The rural mother was spared significant out-of-pocket expenditure thanks to her insurance membership. Photo credit: Ayenew Haileselassie, Abt Associates.