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David Mark Dror is a labor and Health Economist. He is the Founding Chairman & managing director of the Micro Insurance Academy (New Delhi), a technical advisory in micro insurance to grassroots groups. He also founded Social Re Consultancy (Pvt.) Ltd. He has 35+ years of professional research and management experience. He served as Hon. Professor at Erasmus University Rotterdam (Inst. of Health Policy & Management) and earlier at University of Auvergne, Clermont-Ferrand, after serving for many years with the ILO Social Security Dept. His research focuses on analysis explaining the low insurance uptake by persons in the informal sector in low-income countries, and developing effective ways to encourage uptake of insurance at the base-of-the-pyramid among informal sector and rural populations. David has been a founding member of the CGAP Working Group on Micro insurance, which was later transformed into the Micro insurance Network. He has published several books and over 90 papers in refereed journals, acts as guest editor and reviewer for high-impact journals, delivers keynote addresses in professional meetings, and interacts regularly with civil society organizations active at the grassroots level in several countries.

Selected publications

 * Protecting the poor: a microinsurance compendium, Academic Foundation (2008)
 * Micro‐insurance: extending health insurance to the excluded, International social security review, 52 (1), 71-97, (1999)
 * Health financing for poor people: resource mobilization and risk sharing, The World Bank (2004)
 * Effectiveness of community health financing in meeting the cost of illness, Bulletin of the World Health Organization 80, 143-150 (2002)
 * Willingness to pay for health insurance among rural and poor persons: Field evidence from seven micro health insurance units in India, Health policy, 82 (1), 12-27, (2007)
 * Social reinsurance: a new approach to sustainable community health financing, The World Bank (2002)
 * Cost of illness: evidence from a study in five resource-poor locations in India, (2008)
 * Modelling in health care finance: A compendium of quantitative techniques for health care financing, International Labour Organization (1999)
 * Field based evidence of enhanced healthcare utilization among persons insured by micro health insurance units in Philippines, Health Policy 73 (3), 263-271 (2005)
 * Reinsurance of health insurance for the informal sector, Bulletin of the World Health Organization 79, 672-678 (2001)
 * Hardship financing of healthcare among rural poor in Orissa, India, BMC health services research, 12 (1), 23, (2012)
 * First we go to the small doctor’: First contact for curative health care sought by rural communities in Andhra Pradesh & Orissa, India, The Indian journal of medical research 134 (5), 627 (2011)
 * Health insurance benefit packages prioritized by low-income clients in India: Three criteria to estimate effectiveness of choice, Social Science & Medicine, 64 (4), 884-896, (2007)
 * The impact of filipino micro health-insurance units on income-related equality of access to healthcare, Health policy 77 (3), 304-317, (2006)