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The Impact of Insurance Literacy and Marketing Treatments on the Demand for Health Microinsurance in Senegal: A Randomised Evaluation

Author

Listed:
  • Jacopo Bonan

    (FEEM - Fondazione Eni Enrico Mattei [Milano])

  • Olivier Dagnelie

    (CREM - Centre de recherche en économie et management - UNICAEN - Université de Caen Normandie - NU - Normandie Université - UR - Université de Rennes - CNRS - Centre National de la Recherche Scientifique)

  • Philippe Lemay-Boucher

    (HWU - Heriot-Watt University [Edinburgh])

  • Michel Tenikue

    (LISER - Luxembourg Institute of Socio-Economic Research)

Abstract

Mutual health organisations have been present in Senegal for years. Despite their benefits, in most areas take-up rates remain low. Using randomised controlled trials, we evaluate the effect of an insurance literacy module, communicating the benefits and functioning of health microinsurance, as well as three cross-cutting marketing treatments. The results from our various marketing treatments indicate a positive and significant effect on health insurance adoption, particularly for poor households, increasing take-up by around 35–40%. The insurance literacy module does not seem to have a positive impact on take-up decisions. We attempt to provide different contextual reasons for this result.

Suggested Citation

  • Jacopo Bonan & Olivier Dagnelie & Philippe Lemay-Boucher & Michel Tenikue, 2017. "The Impact of Insurance Literacy and Marketing Treatments on the Demand for Health Microinsurance in Senegal: A Randomised Evaluation," Post-Print halshs-02084434, HAL.
    • Handle: RePEc:hal:journl:halshs-02084434
    DOI: 10.1093/jae/ejw023
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    Cited by:

    1. Bonan, Jacopo & Battiston, Pietro & Bleck, Jaimie & LeMay-Boucher, Philippe & Pareglio, Stefano & Sarr, Bassirou & Tavoni, Massimo, 2021. "Social interaction and technology adoption: Experimental evidence from improved cookstoves in Mali," World Development, Elsevier, vol. 144(C).
    2. Thomas Rouyard & Yukichi Mano & Bocar Mamadou Daff & Serigne Diouf & Khadidiatou Fall Dia & Laetitia Duval & Josselin Thuilliez & Ryota Nakamura, 2022. "Operational and Structural Factors Influencing Enrolment in Community-Based Health Insurance Schemes: An Observational Study Using 12 Waves of Nationwide Panel Data from Senegal," Post-Print halshs-03641124, HAL.
    3. Bocoum, Fadima & Grimm, Michael & Hartwig, Renate & Zongo, Nathalie, 2019. "Can information increase the understanding and uptake of insurance? Lessons from a randomized experiment in rural Burkina Faso," Social Science & Medicine, Elsevier, vol. 220(C), pages 102-111.
    4. Platteau, Jean-Philippe & Ugarte Ontiveros, Darwin, 2017. "Cognitive Bias in Insurance: Evidence from India," CEPR Discussion Papers 12242, C.E.P.R. Discussion Papers.
    5. Jean Philippe Platteau & Darwin Ugarte Ontiveros, 2013. "Understanding and Information Failures in Insurance: Evidence from India," Development Research Working Paper Series 07/2013, Institute for Advanced Development Studies.
    6. Evita Allodi & Enrico M. Bocchino & Gian P. Stella, 2023. "Understanding Insurance Knowledge: A Brief 7-Item Measure," International Journal of Business and Management, Canadian Center of Science and Education, vol. 16(2), pages 1-65, February.

    More about this item

    Keywords

    Health Microinsurance; Senegal;

    JEL classification:

    • O12 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
    • 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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