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


  • 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)


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.

Suggested Citation

  • Tara Sinha & M. Kent Ranson & Falguni Patel & Anne Mills, 2007. "Why have the members gone? Explanations for dropout from a community-based insurance scheme," Journal of International Development, John Wiley & Sons, Ltd., vol. 19(5), pages 653-665.
  • Handle: RePEc:wly:jintdv:v:19:y:2007:i:5:p:653-665
    DOI: 10.1002/jid.1346

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    Cited by:

    1. Panda, P. & Chakraborty, A. & Raza, W.A. & Bedi, A.S., 2015. "Renewing membership in three community-based health insurance schemes in rural India," ISS Working Papers - General Series 608, International Institute of Social Studies of Erasmus University Rotterdam (ISS), The Hague.
    2. 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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