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Can Insurance Reduce Catastrophic Out-of-Pocket Health Expenditure

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  • Rama Joglekar

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Abstract

It is argued that for households below poverty line any expenditure on health is catastrophic as they are unable to attain the subsistence level of consumption. Thus, zero percent is taken as a threshold level to define catastrophic health expenditure and examine the impact of health insurance on probability of incurring catastrophic health expenditure. The study is based on a purposive sample survey covering 1,200 households from Ahmedabad and neighbouring areas. Thus, sample is not representative and results are valid only for the sample. A representative sample survey, namely, World Health Survey, and aim to examine the impact of health insurance on catastrophic health care payments for six Indian states.[IGIDR WP -2008-016].

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Paper provided by eSocialSciences in its series Working Papers with number id:1647.

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Date of creation: Sep 2008
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Handle: RePEc:ess:wpaper:id:1647

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Keywords: health; poverty; households; OOP; WHO; care; payment; elementary education; purposive sample survey; Indian states; Ahmedabad; social insurance; care provider; demographic expenditure; insurance; consumption; probability; subsistence level; catastrophic; Out-of-Pocket; india; insurance; poor;

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  1. Mendola, Mariapia & Bredenkamp, Caryn & Gragnolati, Michele, 2007. "The impoverishing effect of adverse health events : evidence from the western Balkans," Policy Research Working Paper Series 4444, The World Bank.
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  11. 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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