climate resilient systems | caring futures | equal cities
Climate & Care Affordability Solutions (CCAS)
From affordability barriers to structured (point of care) affordability solutions
Resource Type
Tool
Current Status
First pilot complete with 10000 households in India in a healthcare delivery context for low income households. Methodology under refinement. To be tested through upcoming pilot across South Asia.
A financial instrument design support tool that enables institutions to translate their products and solutions including care, health, and climate initiatives into point of care financing solutions for households and seekers of care.
01
What it is?
A design support tool powered by Climate & care Taxonomy, that enables financing institutions, philanthropy, DFIs, development programmes, and enterprises to translate their financing and in kind support solutions into point-of-care affordability support and financing solutions.
CCAS supports the design of Care Affordability Solutions (CAS) reduce out of pocket expenditure (OOPE) burden for care seekers while simplifying operations for financing institutions, and improving access to finance for care providers and healthcare enterprises.
It does this by structuring and facilitating pooling of multiple forms of capital and support and deployable point of care affordability solutions.
02
Why it is being developed?
Across climate-stressed and low-income urban contexts, care and health services are hard to access due to affordability barriers. Households bridge this gap through,
high out-of-pocket spending,
delayed or foregone care,
distress borrowing or asset depletion,
and increased unpaid care work, largely borne by women.
At the same time
care providers and enterprises lack visibility into real, effective demand,
financing institutions perceive high risk and uncertain uptake,
philanthropic and catalytic capital is fragmented and weakly leveraged,
and public schemes struggle to operate effectively at the point of care.
CCAS exists to address this structural failure by aligning financing design with care pathways, ensuring affordability support reaches households when care decisions are actually made.
03
What it enables in the C² architecture?
Point of care affordability solution - Reduces OOPE and enables timely access to essential care and health services.
Demand visibility for financing institutions, initiatives and enterprises - Converts latent care need into visible, actionable demand signals.
Investment or Capital de-risking for financing institutions - Increases the ability to structure blended financing solutions to reduce exposure and enable participation by lenders and insurers.
More effective use of public finance, climate finance and catalytic capital - Improves targeting and leverage of subsidies and grants by embedding them into care delivery pathways.
04
Current & Potential Use Cases
Financing institutions (banks, MFIs, insurers) - Design point-of-care financing structures that lower default and claims risk by reducing the immediate financial burden on care seekers.
Philanthropy - Deploy catalytic capital at the point of care, unlocking larger flows of public or commercial finance and improving impact per dollar.
DFIs and development programmes - Operationalise care, health, and climate initiatives through deployable financing mechanisms rather than standalone grants.
Care providers and enterprises - Scale outreach and availability of services, bundle discounts and offers, deferred payments, collaborate with financing options into care offerings, improving uptake while sustaining viability.
Public schemes and programmes - Accurately target entitlements and benefit transfers and collaborate with other forms of available capital to improve household level resilience even in the wake of climate induced crisis. Address access and affordability barriers
