Effectiveness of micro health insurance on financial protection

Evidence from India

S. Savitha, K. B. Kiran

Research output: Contribution to journalArticle

1 Citation (Scopus)

Abstract

Iatrogenic poverty caused by inadequate public expenditure on health, lack of social health insurance and low penetration of private health insurance can be mitigated by micro health insurance (MHI) schemes that provide financial protection. The empirical evidence on the impact of MHI on financial protection is limited in India. This paper elucidates the effect of Sampoorna Suraksha Programme (SSP), a MHI scheme in Karnataka on financial protection. Cross-sectional study was undertaken in Karnataka and the data was gathered from 416 insured, 366 newly insured and 364 uninsured households. The impact of SSP on out of pocket expenses (OOPE), catastrophic health expenditure (CHE), non-medical consumption expenditure, hardship financing and labour supply was analysed using linear and logistic regression methods. Results of the study demonstrate that insured members incurred lower OOPE, CHE and hardship finance. There was no effect on consumption expenditure and no direct impact on labour supply measured in terms of withdrawal from workforce and substitution of labour. We advocate a larger role of MHI in health financing in India since it curtails impoverishment of households in informal sector by reducing OOPE and hardship financing.

Original languageEnglish
Pages (from-to)53-71
Number of pages19
JournalInternational Journal of Health Economics and Management
Volume15
Issue number1
DOIs
Publication statusPublished - 01-03-2015

Fingerprint

Health Insurance
Health Expenditures
India
Healthcare Financing
Health insurance
Social Security
Poverty
Linear Models
Cross-Sectional Studies
Logistic Models
Expenses
Financing
Labor supply
Health expenditures
Expenditure
Household

All Science Journal Classification (ASJC) codes

  • Economics, Econometrics and Finance (miscellaneous)
  • Health Policy

Cite this

@article{6cbede8bbea844f7b4068795609ed66c,
title = "Effectiveness of micro health insurance on financial protection: Evidence from India",
abstract = "Iatrogenic poverty caused by inadequate public expenditure on health, lack of social health insurance and low penetration of private health insurance can be mitigated by micro health insurance (MHI) schemes that provide financial protection. The empirical evidence on the impact of MHI on financial protection is limited in India. This paper elucidates the effect of Sampoorna Suraksha Programme (SSP), a MHI scheme in Karnataka on financial protection. Cross-sectional study was undertaken in Karnataka and the data was gathered from 416 insured, 366 newly insured and 364 uninsured households. The impact of SSP on out of pocket expenses (OOPE), catastrophic health expenditure (CHE), non-medical consumption expenditure, hardship financing and labour supply was analysed using linear and logistic regression methods. Results of the study demonstrate that insured members incurred lower OOPE, CHE and hardship finance. There was no effect on consumption expenditure and no direct impact on labour supply measured in terms of withdrawal from workforce and substitution of labour. We advocate a larger role of MHI in health financing in India since it curtails impoverishment of households in informal sector by reducing OOPE and hardship financing.",
author = "S. Savitha and Kiran, {K. B.}",
year = "2015",
month = "3",
day = "1",
doi = "10.1007/s10754-014-9158-5",
language = "English",
volume = "15",
pages = "53--71",
journal = "International Journal of Health Economics and Management",
issn = "2199-9023",
publisher = "Springer Science + Business Media",
number = "1",

}

Effectiveness of micro health insurance on financial protection : Evidence from India. / Savitha, S.; Kiran, K. B.

In: International Journal of Health Economics and Management, Vol. 15, No. 1, 01.03.2015, p. 53-71.

Research output: Contribution to journalArticle

TY - JOUR

T1 - Effectiveness of micro health insurance on financial protection

T2 - Evidence from India

AU - Savitha, S.

AU - Kiran, K. B.

PY - 2015/3/1

Y1 - 2015/3/1

N2 - Iatrogenic poverty caused by inadequate public expenditure on health, lack of social health insurance and low penetration of private health insurance can be mitigated by micro health insurance (MHI) schemes that provide financial protection. The empirical evidence on the impact of MHI on financial protection is limited in India. This paper elucidates the effect of Sampoorna Suraksha Programme (SSP), a MHI scheme in Karnataka on financial protection. Cross-sectional study was undertaken in Karnataka and the data was gathered from 416 insured, 366 newly insured and 364 uninsured households. The impact of SSP on out of pocket expenses (OOPE), catastrophic health expenditure (CHE), non-medical consumption expenditure, hardship financing and labour supply was analysed using linear and logistic regression methods. Results of the study demonstrate that insured members incurred lower OOPE, CHE and hardship finance. There was no effect on consumption expenditure and no direct impact on labour supply measured in terms of withdrawal from workforce and substitution of labour. We advocate a larger role of MHI in health financing in India since it curtails impoverishment of households in informal sector by reducing OOPE and hardship financing.

AB - Iatrogenic poverty caused by inadequate public expenditure on health, lack of social health insurance and low penetration of private health insurance can be mitigated by micro health insurance (MHI) schemes that provide financial protection. The empirical evidence on the impact of MHI on financial protection is limited in India. This paper elucidates the effect of Sampoorna Suraksha Programme (SSP), a MHI scheme in Karnataka on financial protection. Cross-sectional study was undertaken in Karnataka and the data was gathered from 416 insured, 366 newly insured and 364 uninsured households. The impact of SSP on out of pocket expenses (OOPE), catastrophic health expenditure (CHE), non-medical consumption expenditure, hardship financing and labour supply was analysed using linear and logistic regression methods. Results of the study demonstrate that insured members incurred lower OOPE, CHE and hardship finance. There was no effect on consumption expenditure and no direct impact on labour supply measured in terms of withdrawal from workforce and substitution of labour. We advocate a larger role of MHI in health financing in India since it curtails impoverishment of households in informal sector by reducing OOPE and hardship financing.

UR - http://www.scopus.com/inward/record.url?scp=84974539435&partnerID=8YFLogxK

UR - http://www.scopus.com/inward/citedby.url?scp=84974539435&partnerID=8YFLogxK

U2 - 10.1007/s10754-014-9158-5

DO - 10.1007/s10754-014-9158-5

M3 - Article

VL - 15

SP - 53

EP - 71

JO - International Journal of Health Economics and Management

JF - International Journal of Health Economics and Management

SN - 2199-9023

IS - 1

ER -