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Systematic Review of Willingness to Pay for Health Insurance in Low and Middle Income Countries

In: Financing Micro Health Insurance Theory, Methods and Evidence

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  • David Mark Dror

Abstract

The following sections are included:The first systematic review of willingness to pay (WTP) of individuals or households for health insurance (HI) in low- and middle-income countries (LMICs).The first-ever study attempting to express WTP estimates as a percentage of GDP per capita of the respective country or as a percentage of national net income per capita.Review of literature based on 16 studies (21 articles) from 10 countries.

Suggested Citation

  • 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..
    • Handle: RePEc:wsi:wschap:9789813238480_0008
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    1. Hermann Donfouet & Ephias Makaudze & Pierre-Alexandre Mahieu & Eric Malin, 2011. "The determinants of the willingness-to-pay for community-based prepayment scheme in rural Cameroon," International Journal of Health Economics and Management, Springer, vol. 11(3), pages 209-220, September.
    2. Dong, Hengjin & Kouyate, Bocar & Snow, Rachel & Mugisha, Frederick & Sauerborn, Rainer, 2003. "Gender's effect on willingness-to-pay for community-based insurance in Burkina Faso," Health Policy, Elsevier, vol. 64(2), pages 153-162, May.
    3. Nick Hanley & Mandy Ryan & Robert Wright, 2003. "Estimating the monetary value of health care: lessons from environmental economics," Health Economics, John Wiley & Sons, Ltd., vol. 12(1), pages 3-16, January.
    4. van der Star, Sanne M. & van den Berg, Bernard, 2011. "Individual responsibility and health-risk behaviour: A contingent valuation study from the ex ante societal perspective," Health Policy, Elsevier, vol. 101(3), pages 300-311, August.
    5. Dror, David Mark & Radermacher, Ralf & Koren, Ruth, 2007. "Willingness to pay for health insurance among rural and poor persons: Field evidence from seven micro health insurance units in India," Health Policy, Elsevier, vol. 82(1), pages 12-27, June.
    6. 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..
    7. Richard D. Smith, 2003. "Construction of the contingent valuation market in health care:a critical assessment," Health Economics, John Wiley & Sons, Ltd., vol. 12(8), pages 609-628, August.
    8. S. V. Ciriacy-Wantrup, 1947. "Capital Returns from Soil-Conservation Practices," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 29(4_Part_II), pages 1181-1196.
    9. Abay Asfaw & Joachim Braun, 2005. "Innovations in Health Care Financing: New Evidence on the Prospect of Community Health Insurance Schemes in the Rural Areas of Ethiopia," International Journal of Health Economics and Management, Springer, vol. 5(3), pages 241-253, September.
    10. Hermann Pythagore Pierre Donfouet & Jean-Roger Edimo Essombé & Pierre-Alexandre Mahieu & Éric Malin, 2011. "Social capital and willingness-to-pay for community-based health insurance in rural Cameroon," Post-Print halshs-00630043, HAL.
    11. Sayem Ahmed & Mohammad Enamul Hoque & Abdur Razzaque Sarker & Marufa Sultana & Ziaul Islam & Rukhsana Gazi & Jahangir A M Khan, 2016. "Willingness-to-Pay for Community-Based Health Insurance among Informal Workers in Urban Bangladesh," PLOS ONE, Public Library of Science, vol. 11(2), pages 1-16, February.
    12. Hengjin Dong & Bocar Kouyate & John Cairns & Frederick Mugisha & Rainer Sauerborn, 2003. "Willingness‐to‐pay for community‐based insurance in Burkina Faso," Health Economics, John Wiley & Sons, Ltd., vol. 12(10), pages 849-862, October.
    13. Asfaw, Abay & Braun, Joachim von, 2004. "Can community health insurance schemes shield the poor against the downside health effects of economic reforms? The case of rural ethiopia," Health Policy, Elsevier, vol. 70(1), pages 97-108, October.
    14. Office of Health Economics, 2007. "The Economics of Health Care," For School 001490, Office of Health Economics.
    15. Asenso-Okyere, W. Kwadwo & Osei-Akoto, Isaac & Anum, Adote & Appiah, Ernest N., 1997. "Willingness to pay for health insurance in a developing economy. A pilot study of the informal sector of Ghana using contingent valuation," Health Policy, Elsevier, vol. 42(3), pages 223-237, December.
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    Cited by:

    1. Soeb Md. Shoayeb Noman, 2021. "Government Employees of Bangladesh and their Willingness to Pay for Social Health Insurance," Business and Economic Research, Macrothink Institute, vol. 11(2), pages 207-217, June.
    2. Kaonga, Oliver & Masiye, Felix & Kirigia, Joses Muthuri, 2022. "How viable is social health insurance for financing health in Zambia? Results from a national willingness to pay survey," Social Science & Medicine, Elsevier, vol. 305(C).
    3. Qun Wang & Yi Zhou & Xinrui Ding & Xiaohua Ying, 2017. "Demand for Long-Term Care Insurance in China," IJERPH, MDPI, vol. 15(1), pages 1-15, December.
    4. Nadine Muller & Shannon A McMahon & Jan-Walter De Neve & Alexej Funke & Till Bärnighausen & Elsa N Rajemison & Etienne Lacroze & Julius V Emmrich & Samuel Knauss, 2020. "Facilitators and barriers to the implementation of a Mobile Health Wallet for pregnancy-related health care: A qualitative study of stakeholders’ perceptions in Madagascar," PLOS ONE, Public Library of Science, vol. 15(1), pages 1-15, January.
    5. Kaambwa, Billingsley & Chen, Gang & Khadka, Jyoti & Milte, Rachel & Mpundu-Kaambwa, Christine & Woods, Taylor-Jade & Ratcliffe, Julie, 2021. "A preference for quality: Australian general public's willingness to pay for home and residential aged care," Social Science & Medicine, Elsevier, vol. 289(C).
    6. Devaraj Acharya & Bhimsen Devkota & Ramesh Adhikari, 2018. "Willingness to Pay for Family Health Insurance: Evidence from Baglung and Kailali Districts of Nepal," Global Journal of Health Science, Canadian Center of Science and Education, vol. 10(12), pages 144-144, December.
    7. Mohammad Abu‐Zaineh & Olivier Chanel & Khaled Makhloufi, 2022. "Estimating willingness to pay for public health insurance while accounting for protest responses: A further step towards universal health coverage in Tunisia?," International Journal of Health Planning and Management, Wiley Blackwell, vol. 37(5), pages 2809-2821, September.
    8. Robert Kolesar & Sambo Pheakdey & Bart Jacobs & Narith Chan & Samedy Yok & Martine Audibert, 2019. "Expanding Social Health Protection in Cambodia: An assessment of the current coverage potential and gaps, and social equity considerations," Working Papers halshs-02018867, HAL.
    9. Mayam Moeeni & Shirin Nosratnejad, 2019. "Never will I give advice till you please to ask me thrice: Estimating willingness to pay for health insurance using 3 different methods with evidence from Iran," International Journal of Health Planning and Management, Wiley Blackwell, vol. 34(1), pages 594-601, January.
    10. Mireia Jofre-Bonet & Joseph Kamara, 2018. "Willingness to pay for health insurance in the informal sector of Sierra Leone," PLOS ONE, Public Library of Science, vol. 13(5), pages 1-18, May.
    11. 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.
    12. Thiptaiya Sydavong & Daisaku Goto & Keisuke Kawata & Shinji Kaneko & Masaru Ichihashi, 2019. "Potential demand for voluntary community-based health insurance improvement in rural Lao People’s Democratic Republic: A randomized conjoint experiment," PLOS ONE, Public Library of Science, vol. 14(1), pages 1-21, January.
    13. Robert Kolesar & Sambo Pheakdey & Bart Jacobs & Narith Chan & Samedy Yok & Martine Audibert, 2019. "Expanding Social Health Protection in Cambodia: An assessment of the current coverage potential and gaps, and social equity considerations," CERDI Working papers halshs-02018867, HAL.
    14. Wei Hsu & Chih-Hao Yang & Wen-Ping Fan, 2021. "A Study of Patients’ Willingness to Pay for a Basic Outpatient Copayment and Medical Service Quality in Taiwan," IJERPH, MDPI, vol. 18(12), pages 1-12, June.
    15. Monica Ewomazino Akokuwebe & Erhabor Sunday Idemudia, 2022. "A Comparative Cross-Sectional Study of the Prevalence and Determinants of Health Insurance Coverage in Nigeria and South Africa: A Multi-Country Analysis of Demographic Health Surveys," IJERPH, MDPI, vol. 19(3), pages 1-26, February.
    16. Jofre-Bonet, Mireia & Kamara, Joseph, 2018. "Willingness to pay for health insurance in the informal sector of Sierra Leone," LSE Research Online Documents on Economics 89836, London School of Economics and Political Science, LSE Library.
    17. 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.
    18. Hiroki Wakamatsu & Seiichi Fukui & Kana Miwa, 2019. "Heterogeneous Preferences for Micro Health Insurance Attributes in Rural Cambodia: Latent Class Analysis," Economics Bulletin, AccessEcon, vol. 39(4), pages 2963-2975.
    19. Rabbani, Atonu & Mehareen, Jeenat & Chowdhury, Imran Ahmed & Sarker, Malabika, 2022. "Mandatory employer-sponsored health financing scheme for semiformal workers in Bangladesh: An experimental assessment," Social Science & Medicine, Elsevier, vol. 292(C).
    20. Robert J. Kolesar & Sambo Pheakdey & Bart Jacobs & Narith Chan & Samedy Yok & Martine Audibert, 2020. "Expanding social health protection in Cambodia: An assessment of the current coverage potential and gaps, and social equity considerations," International Social Security Review, John Wiley & Sons, vol. 73(1), pages 35-63, January.
    21. Yasuharu Shimamura & Midori Matsushima & Hiroyuki Yamada & Minh Tam Nguyen, 2018. "Willingness-to-Pay for Family-Based Health Insurance: Findings From Household And Health Facility Surveys in Central Vietnam," Global Journal of Health Science, Canadian Center of Science and Education, vol. 10(7), pages 1-24, July.
    22. Mohammed Seid & Amare Minyihun & Gizachew Tilahun & Asmamaw Atnafu & Getasew Amare, 2021. "Willingness to pay for cataract surgery and associated factors among cataract patients in Outreach Site, North West Ethiopia," PLOS ONE, Public Library of Science, vol. 16(3), pages 1-15, March.

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    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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