Grameen Koota is a microfinance institution based in the state of Karnataka, India modelled on the Grameen Bank (Bangladesh). Apart from offering financial services to its clients, they also conduct programs in health and nutrition, enterprise development, literacy and sanitation. As of 2005, they operate in 574 villages spread over three districts of Karnataka with a client base of 27,600 women members. A health insurance scheme, Arogya Raksha Yojana, was offered to clients of Grameen Koota in two branches in 2005. The Centre, in collaboration with Grameen Koota, is currently conducting a study to understand the factors that influence up-take and the determinants for renewal of health insurance, and provide policy specific insights for insurers.