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Mutual health insurance in Rwanda: Evidence on access to care and financial risk protection

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Author Info

  • Saksena, Priyanka
  • Antunes, Adélio Fernandes
  • Xu, Ke
  • Musango, Laurent
  • Carrin, Guy

Abstract

Objective Rwanda has expanded mutual health insurance considerably in recent years, which has a great potential for making health services more accessible. In this paper, we examine the effect of mutual health insurance (MHI) on utilization of health services and financial risk protection.Methods We used data from a nationally representative survey from 2005-2006. We analysed this data through summary statistics as well as regression models.Findings Our statistical modelling shows that MHI coverage is associated with significantly increased utilization of health services. Indeed, individuals in households that had MHI coverage used health services twice as much when they were ill as those in households that had no insurance coverage. Additionally, MHI is also associated with a higher degree of financial risk protection and the incidence of catastrophic health expenditure was almost four times less than in households with no coverage. Nonetheless, the limitations of the MHI coverage also become apparent.Conclusion These promising results indicate that MHI has had a strong positive impact on access to health care and can continue to improve health of Rwandans even more if its limitations are addressed further.

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Bibliographic Info

Article provided by Elsevier in its journal Health Policy.

Volume (Year): 99 (2011)
Issue (Month): 3 (March)
Pages: 203-209

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Handle: RePEc:eee:hepoli:v:99:y:2011:i:3:p:203-209

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Web page: http://www.elsevier.com/locate/healthpol

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Keywords: Mutual health insurance Access to care Catastrophic health expenditure;

References

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  1. Schneider, Pia, 2005. "Trust in micro-health insurance: an exploratory study in Rwanda," Social Science & Medicine, Elsevier, vol. 61(7), pages 1430-1438, October.
  2. Pia Schneider & Kara Hanson, 2006. "Horizontal equity in utilisation of care and fairness of health financing: a comparison of micro-health insurance and user fees in Rwanda," Health Economics, John Wiley & Sons, Ltd., vol. 15(1), pages 19-31.
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Cited by:
  1. Klasen, Stephan & Reimers, Malte, 2013. "Looking at Pro-Poor Growth from an Agricultural Perspective," 2013 Annual Meeting, August 4-6, 2013, Washington, D.C. 149745, Agricultural and Applied Economics Association.
  2. Binagwaho, Agnes & Hartwig, Renate & Ingeri, Denyse & Makaka, Andrew, 2012. "Mutual health insurance and its contribution to improving child health in Rwanda," Passauer Diskussionspapiere, Volkswirtschaftliche Reihe V-66-12, University of Passau, Faculty of Business and Economics.
  3. Mebratie, A.D. & Sparrow, R.A. & Alemu, G. & Bedi, A.S., 2013. "Community-Based Health Insurance Schemes," ISS Working Papers - General Series 568, International Institute of Social Studies of Erasmus University Rotterdam (ISS), The Hague.

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