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Why have the members gone? Explanations for dropout from a community-based insurance scheme

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Author Info

  • Tara Sinha

    (SEWA Insurance, Self-Employed Women's Association, Ahmedabad, India)

  • M. Kent Ranson

    (Health Policy Unit, London School of Hygiene and Tropical Medicine, London, UK)

  • Falguni Patel

    (SEWA Insurance, Self-Employed Women's Association, Ahmedabad, India)

  • Anne Mills

    (Department of Public Health and Policy, London School of Hygiene and Tropical Medicine, London, UK)

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    Abstract

    A common challenge faced by voluntary community based insurance (CBI) schemes is ensuring re-enrolment of their members. This study examines factors that may explain dropout from a CBI scheme targeting poorer self-employed women in Gujarat. Members who exited from the scheme were poorer and less educated; had weaker links with the promoting institution; and used the scheme less in the preceding year. The primary reason for dropping out was that members were not contacted by programme staff to re-enrol. Scheme administrators can reduce dropout rates by maintaining better contact with scheme members and systematically seeking them out at the time of enrolment. Such relatively simple improvements in scheme administration can enhance the efficiency and equity of the scheme. Copyright © 2006 John Wiley & Sons, Ltd.

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    File URL: http://hdl.handle.net/10.1002/jid.1346
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    Bibliographic Info

    Article provided by John Wiley & Sons, Ltd. in its journal Journal of International Development.

    Volume (Year): 19 (2007)
    Issue (Month): 5 ()
    Pages: 653-665

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    Handle: RePEc:wly:jintdv:v:19:y:2007:i:5:p:653-665

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    Web page: http://www3.interscience.wiley.com/journal/5102/home

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    Cited by:
    1. Ahsan, Syed M & Mahmud, Minhaj, 2011. "Microinsurance: The Choice among Delivery and Regulatory Mechanisms," MPRA Paper 50286, University Library of Munich, Germany, revised Jul 2013.

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