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Determinants of Health Insurance Penetration in India: An Empirical Analysis

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  • Anindita Chakrabarti
  • Anand Shankar

Abstract

Insufficient participation of the government in the provision of health care services to the people puts tremendous pressure on households financing their health care expenditure from private sources. Health insurance can be seen as an effective measure to circumvent this problem. However, penetration of health insurance in India is very low. This article seeks to explore the effect of household assets, access to media demographic and caste profile of households in explaining the use of health insurance in India using data from the National Family Health Survey-III. Results suggest that richer households have a higher probability of enrolling into health insurance and access to media exerts a positive significant impact on health insurance enrolment. Particularly vulnerable are those from the scheduled tribe background in both rural and urban region and the Muslim community residing in urban area. Non-profit insurance scheme such as community-based health insurance (CBHI) has limited success in drawing people from the poorest economic status into their safety nets. Considerable regional disparity exists in terms of health insurance enrolment pattern. Odds of enrolling in private health insurance and public health insurance in comparison to no insurance are significantly higher for urban region. The opposite result holds for CBHI scheme.

Suggested Citation

  • Anindita Chakrabarti & Anand Shankar, 2015. "Determinants of Health Insurance Penetration in India: An Empirical Analysis," Oxford Development Studies, Taylor & Francis Journals, vol. 43(3), pages 379-401, September.
    • Handle: RePEc:taf:oxdevs:v:43:y:2015:i:3:p:379-401
    DOI: 10.1080/13600818.2015.1057116
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    References listed on IDEAS

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    1. Jain Nishant & Bhat Ramesh, 2006. "Factoring affecting the Demand for Health Insurance in a Micro Insurance Scheme," IIMA Working Papers WP2006-07-02, Indian Institute of Management Ahmedabad, Research and Publication Department.
    2. Ahuja, Rajeev & Jutting, Johannes Paul, 2003. "Design Of Incentives In Community Based Health Insurance Schemes," Discussion Papers 18744, University of Bonn, Center for Development Research (ZEF).
    3. Rajeev Ahuja, 2005. "Health Insurance for the poor in India: An analytical study," Indian Council for Research on International Economic Relations, New Delhi Working Papers 161, Indian Council for Research on International Economic Relations, New Delhi, India.
    4. repec:ind:iegddp:15 is not listed on IDEAS
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    2. Pradeep Kautish & Arpita Khare & Rajesh Sharma, 2022. "Health insurance policy renewal: an exploration of reputation, performance, and affect to understand customer inertia," Journal of Marketing Analytics, Palgrave Macmillan, vol. 10(3), pages 261-278, September.
    3. Milind Kumar Yadav & Pratap C. Mohanty, 2021. "Determinants of choice of health insurance: Empirical evidence from responses of Indian households," International Journal of Health Planning and Management, Wiley Blackwell, vol. 36(5), pages 1809-1829, September.

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