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The Demand for (Micro) Health Insurance in the Informal Sector

In: Financing Micro Health Insurance Theory, Methods and Evidence

Author

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  • David Mark Dror

Abstract

The following sections are included:Conventional theories of health insurance are ill-suited to the context of poverty in the informal sector.Eight conditions are identified, which a relevant theory of demand for health insurance must recognize and accommodate.A total of 3 billion people in the informal sector of LMIC would seek voluntary health insurance only when local awareness about the welfare gains of health insurance is widespread, supported by local governance.

Suggested Citation

  • David Mark Dror, 2018. "The Demand for (Micro) Health Insurance in the Informal Sector," World Scientific Book Chapters, in: Financing Micro Health Insurance Theory, Methods and Evidence, chapter 2, pages 43-66, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9789813238480_0002
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    Cited by:

    1. David Mark Dror, 2018. "Systematic Review of Willingness to Pay for Health Insurance in Low and Middle Income Countries," World Scientific Book Chapters, in: Financing Micro Health Insurance Theory, Methods and Evidence, chapter 8, pages 151-168, World Scientific Publishing Co. Pte. Ltd..
    2. Xiaoqi Zhang & Yi Chen & Yi Yao, 2021. "Dynamic information asymmetry in micro health insurance: implications for sustainability," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 46(3), pages 468-507, July.
    3. Isaac Akomea-Frimpong & Caleb Boadi & Roger Owusu-Boafo, 2021. "Determinants and challenges of supplying microlife insurance in Ghana," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 46(3), pages 331-357, July.
    4. Maia Sieverding & Cynthia Onyango & Lauren Suchman, 2018. "Private healthcare provider experiences with social health insurance schemes: Findings from a qualitative study in Ghana and Kenya," PLOS ONE, Public Library of Science, vol. 13(2), pages 1-22, February.
    5. Rajneesh Chowdhury & Nihar Jangle, 2018. "Critical Systems Thinking Towards Enhancing Community Engagement in Micro-insurance," Global Journal of Flexible Systems Management, Springer;Global Institute of Flexible Systems Management, vol. 19(3), pages 209-224, September.
    6. Muttaqien Muttaqien & Hermawati Setiyaningsih & Vini Aristianti & Harry Laurence Selby Coleman & Muhammad Syamsu Hidayat & Erzan Dhanalvin & Dedy Revelino Siregar & Ali Ghufron Mukti & Maarten Olivier, 2021. "Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees’ ability and willingness to pay," PLOS ONE, Public Library of Science, vol. 16(6), pages 1-19, June.
    7. David M. Dror & Atanu Majumdar & Nihar Jangle, 2019. "Estimating capital requirements to scale health microinsurance serving rural poor populations," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 44(3), pages 410-444, July.
    8. Fischer, Torben & Frölich, Markus & Landmann, Andreas, 2018. "Adverse Selection in Low-Income Health Insurance Markets: Evidence from a RCT in Pakistan," IZA Discussion Papers 11751, Institute of Labor Economics (IZA).
    9. Levi Ng’ang’a Mbugua & John Odhiambo Magambo, 2022. "Repositioning Health Microinsurance Products for the Informal Sector Groups," Businesses, MDPI, vol. 3(1), pages 1-17, December.

    More about this item

    Keywords

    Microinsurance; Micro Health Insurance; Health Insurance; Community-Based Health Insurance; CBHI; Demand for Health Insurance; Willingness to Pay for Health Insurance; Microinsurance Package Design; Implementation of CBHI; Business Case of Microinsurance;
    All these keywords.

    JEL classification:

    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I15 - Health, Education, and Welfare - - Health - - - Health and Economic Development

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