The impact of filipino micro health-insurance units on income-related equality of access to healthcare

Dror, David M.; Koren, Ruth; Steinberg, David M.

doi:10.1016/j.healthpol.2005.08.001

Cited by 23 publications

(9 citation statements)

References 11 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…This implies that CBHI can provide access to health care in a way that does not disproportionately favour the richer members of the society. This supports findings that such micro-health insurance units provide equality of access to hospitalization and consultation amongst households of various incomes [22]. The similarity in distribution of different SES groups in each of the communities in registration, willingness to renew registration and increase in facility utilization shows that all benefits seem to be well distributed by SES.…”

Section: Discussionsupporting

confidence: 81%

Is community-based health insurance an equitable strategy for paying for healthcare? Experiences from southeast Nigeria

et al. 2009

View full text Add to dashboard Cite

Section: Discussionsupporting

confidence: 81%

Is community-based health insurance an equitable strategy for paying for healthcare? Experiences from southeast Nigeria

et al. 2009

View full text Add to dashboard Cite

“…Several studies have found an increased use of health-care services across countries with diverse settings such as China (Bogg et al, 1996); Congo (Criel and Kegels, 1997); Ghana (Atim, 1999); Senegal (Ju¨tting, 2004); India (Ranson et al, 2007); and Philippines (Dror et al, 2005(Dror et al, , 2006. Nonetheless, the results are not unambiguous (Ekman, 2004).…”

Section: Health and Economic Outcomes: Major Hypotheses And Empiricalmentioning

confidence: 96%

Impact evaluation of India's ‘Yeshasvini’ community‐based health insurance programme

2010

View full text Add to dashboard Cite

Using propensity score matching techniques, the study evaluates the impact of India's Yeshasvini community-based health insurance programme on health-care utilisation, financial protection, treatment outcomes and economic well-being. The programme offers free out-patient diagnosis and lab tests at discounted rates when ill, but, more importantly, it covers highly catastrophic and less discretionary in-patient surgical procedures. For its impact evaluation, 4109 randomly selected households in villages in rural Karnataka, an Indian state, were interviewed using a structured questionnaire. A comprehensive set of indicators was developed and the quality of matching was tested. Generally, the programme is found to have increased utilisation of health-care services, reduced out-of-pocket spending, and ensured better health and economic outcomes. More specifically, however, these effects vary across socio-economic groups and medical episodes. The programme operates by bringing the direct price of health-care down but the extent to which this effectively occurs across medical episodes is an empirical issue. Further, the effects are more pronounced for the better-off households. The article demonstrates that community insurance presents a workable model for providing high-end services in resource-poor settings through an emphasis on accountability and local management.

show abstract

“…If cost is limiting access to hospitalization, we would expect a pro-rich bias among the uninsured and a correction of that bias among the insured; a study among microinsurance units in the Philippines found this to be the case. 2 Concentration indices were not significantly different from zero in BAIF and UpLift, for both the insured and uninsured. In Nidan, the indices were positive and significantly different from zero for the insured but, curiously, not for the uninsured.…”

Section: Costs (Exhibit 5) In Four Cohorts (Baif Andmentioning

confidence: 80%

Microinsurance: Innovations In Low-Cost Health Insurance

Dror¹,

Radermacher²,

Khadilkar³

et al. 2009

Health Affairs

Self Cite

View full text Add to dashboard Cite

Microinsurance-low-cost health insurance based on a community, cooperative, or mutual and self-help arrangements-can provide financial protection for poor households and improve access to health care. However, low benefit caps and a low share of premiums paid as benefits-both designed to keep these arrangements in businessperversely limited these schemes' ability to extend coverage, offer financial protection, and retain members. We studied three schemes in India, two of which are member-operated and one a commercial scheme, using household surveys of insured and uninsured households and interviews with managers. All three enrolled poor households and raised their use of hospital services, as intended. Financial exposure was greatest, and protection was least, in the commercial scheme, which imposed the lowest caps on benefits and where income was the lowest. [Health Aff (Millwood). 2009;28(6):1788-98] I nc r e a s i n g awa r e n e s s in India about the value of health insurance has led to a diversity of plans, including "microinsurance." Microinsurance is low-cost health insurance based on a community or cooperative model, as distinct from conventional insurance. Microinsurance units can increase access to health care, 1 improve equality among members, 2 capture additional resources, 3 and promote social protection 4-9 and the development of financial systems. 10 Most of them require reinsurance. 11 Micro health insurance covered an estimated thirty-six million people worldwide in 2006. 12 We report on a study of three microinsurance arrangements operating in two Indian states. The three differ in target membership, benefits, and claims management practices. We identify the strengths and shortcomings of the different approaches as judged by their im- M a r k e t W a t c h

show abstract

The impact of filipino micro health-insurance units on income-related equality of access to healthcare

Cited by 23 publications

References 11 publications

Is community-based health insurance an equitable strategy for paying for healthcare? Experiences from southeast Nigeria

Is community-based health insurance an equitable strategy for paying for healthcare? Experiences from southeast Nigeria

Impact evaluation of India's ‘Yeshasvini’ community‐based health insurance programme

Microinsurance: Innovations In Low-Cost Health Insurance

Contact Info

Product

Resources

About