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Employment Rank and the Choice of Health Insurance Benefit Scheme among Bangladeshi Civil Servants

Author

Listed:
  • Hamid Syed Abdul
  • Howlader Sushil Ranjan

    (Professor, Institute of Health Economics, University of Dhaka, Dhaka1000, Bangladesh)

  • Begum Afroza

    (Assistant Professor, Department of Statistics, University of Chittagong, Chittagong4331, Bangladesh)

  • Ahsan Syed M

    (Emeritus Professor, Department of Economics, Concordia University, Montreal, Canada)

  • Uddin Azhar

    (Assistant Professor, Institute of Health Economics, University of Dhaka, Dhaka1000, Bangladesh)

  • Rahman Taslima

    (Associate Professor, Institute of Health Economics, University of Dhaka, Dhaka1000, Bangladesh)

  • Rahman Md. Hafizur

    (Additional Secretary, Ministry of Commerce, Government of Bangladesh, Dhaka1000, Bangladesh)

Abstract

This study surveys 622 Bangladeshi civil servants of all administrative jurisdictions and elicits their preference for health insurance schemes. The latter vary in the amount of sum assured as well as in terms of premium sharing rules with the government. The paper also explores the financial burden that the premium subsidy may impose on the exchequer and the state’s fiscal capacity to shoulder it. We discover a very high willingness to join the scheme. Though all three premium-sharing options posit flat rates common for all employment ranks, respondents appear to prefer premiums proportional to their basic salary.

Suggested Citation

  • Hamid Syed Abdul & Howlader Sushil Ranjan & Begum Afroza & Ahsan Syed M & Uddin Azhar & Rahman Taslima & Rahman Md. Hafizur, 2022. "Employment Rank and the Choice of Health Insurance Benefit Scheme among Bangladeshi Civil Servants," Asia-Pacific Journal of Risk and Insurance, De Gruyter, vol. 16(1), pages 81-122, January.
    • Handle: RePEc:bpj:apjrin:v:16:y:2022:i:1:p:81-122:n:4
    DOI: 10.1515/apjri-2019-0020
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    More about this item

    Keywords

    choice of benefit schemes; health insurance; willingness to join; civil servants; Bangladesh; H41; H51; I11; I13; I18;
    All these keywords.

    JEL classification:

    • H41 - Public Economics - - Publicly Provided Goods - - - Public Goods
    • H51 - Public Economics - - National Government Expenditures and Related Policies - - - Government Expenditures and Health
    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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