The objective of this study was to find out the perceptions of beneficiaries in comparison to non-beneficiaries of a community-based health insurance scheme.
Both quantitative and qualitative methods were used to carry out this study; a cross-sectional household survey on 1,639 households was carried out, where the respondents were required to rate the services and facilities of the scheme A focus group discussion (FGD) with both the beneficiaries and non-beneficiaries was also carried out.
Overall, the services were rated good except in the case of treatment and inpatient services where the responses were rated average. The study results provide evidence that Community Based Health Insurance (CBHI) schemes can be a viable risk sharing mechanism for the informal sector people who would have otherwise not been covered under any health insurance or health care financing mechanism. Maintaining an affordable premium and including outpatient facilities and preventive treatment would improve the satisfaction level of those who have acceptability towards CBHI schemes.
BennettS. (2004). The role of community-based health insurance within the health care financing system: A framework for analysis. Health Policy and Planning, 19(3), 147–158. doi:10.1093/heapol/czh018
2.
ChurchillC.MatulM. (Ed.). (2012). Protecting the poor a microinsurance compendium (Vol. II). Germany: International Labor Organization, Micro insurance network, Munich Re Foundation.
3.
De AllegriM.SanonM.BridgesJ.SauerbornR. (2006). Understanding consumers’ preferences and decision to enrol in community-based health insurance in rural West Africa. Health Policy (Amsterdam, Netherlands), 76(1), 58–71. doi: 10.1016/j.healthpol.2005.04.010
4.
DevdasanN.ManoharanS.MenonN.MenonS.ThekekaraM.ThekekaraS. (2004). ACCORD Community Health Insurance: Increasing access to hospital care. The Economic and Political Weekly, 38(28), 3189–3194.
5.
DevadasanN.RansonK.Van DammeW.AcharyaA.CrielB. (2006). The landscape of community health insurance in India: An overview based on 10 case studies. Health Policy (Amsterdam, Netherlands), 78(2–3), 224–234. doi: 10.1016/j.healthpol.2005.10.005
6.
DongH.MugishaF.GbangouA.KouyatéB.SaurebornR. (2004). The feasibility of community-based health insurance in Burkina Faso. Health Policy, 69(1), 45–53.
7.
DrorD. M.KorenR.SteinbergD. M.(2006). The impact of filipino micro health-insurance units on incomerelated equality of access to healthcare. Health Policy (Amsterdam, Netherlands), 77(3), 304–317. doi: 10.1016/j.healthpol.2005.08.001
8.
GargC. C.KaranA. K. (2009). Reducing out-of-pocket expenditures to reduce poverty: A disaggregated analysis at rural-urban and state level in India. Health Policy and Planning, 24(2), 116–28. doi:10.1093/heapol/czn046
9.
ILO (International Labor Organization). (2002). Extending social protection in health through community based health organizations (pp. 1–79). Geneva, Switzerland: International Labor Organization.
10.
KuruvillaS. (2005). The Karnataka Yeshasvini health insurance scheme for rural farmers & peasants: Towards comprehensive health insurance coverage for Karnataka? Social Science and Development Conference, Karnataka.
11.
KutzinJ. (1998). Enhancing the insurance function of health systems: A proposed conceptual framework. In NitayarumphongS.MillsA. (Eds), Achieving universal coverage of health care (pp. 27–101). Bangkok, Thailand: Ministry of Public Health.
12.
LwangaL. S.LemeshowS. K. (2009). Sample size determination in health studies. A practical manual. Geneva, Switzerland: WHO.
13.
MeessenB.CrielB.KegelsG. (2002). Formal pooling of health risks in sub-Saharan Africa: Reflections on the obstacles encountered. International Social Security Review, 55(2), 71–93.
14.
RaoS.SelvarajuS.SakthivelS.NagpalS. (2010). National health accounts for India. In National Commission on Macroeconomics and Health (NCMH) (Ed.), Financing and delivery of health care services in India (pp. 43–81). New Delhi: Ministry of Health and Family Welfare.
15.
RansonM. Kent. (2001). The impact of SEWA’s medical insurance fund on hospital utilization and expenditure (Health Nutrition and Population Series Paper). Washington, DC: The World Bank.
16.
RansonM. K.SinhaT.ChatterjeeM.AcharyaA.BhavsarA.MorrisS. S.MillsA. J.(2006). Making health insurance work for the poor: Learning from the Self-Employed Women’s Association’s (SEWA) community-based health insurance scheme in India. Social Science & Medicine, 62(3), 707–720. doi: 10.1016/j.socscimed.2005.06.037
17.
ReddyK. S.SelvarajS.RaoK. D.ChokshiM.KumarP. (2011). A critical assessment of the existing health insurance models in India. New Delhi: Public Health Foundation of India.
18.
Registrar General and Census Commissioner of India. (2011). Census of India: Provisional population totals, paper1 of Karnataka. India: Ministry of Home Affairs, Government of India. Retrieved from http://www.censusindia.gov.in/2011census/dchb/DCHB.html
19.
Sujatha RaoS.SelvarajuS. N. (2005). Financing of health in India. Financing and delivery of health care services in India (pp. 239–254). New Delhi: National Commission on Macroeconomics of Health, Government of India.
20.
SupakankuntiS. (2001). Determinants of demand for health card in Thailand (Health Nutrition and Population Series Paper). Washington, DC: The World Bank.
21.
Udai PareekhG. T. (1980). Manual of socio-economic status (rural). New Delhi: Manasayan.
22.
Van DoorslaerE.O’DonnellO.Rannan-EliyaRavi P.HerrinA. N.LeeT.LeungG. M.… ZhaoY. (2007). Catastrophic payment for health care in Asia. Health Economics, 16(11), 1159–1184. doi: 10.1016/jjhealeco.2007.08.005
23.
XuK.RavndalF.EvansD. B.CarrinG. (2009). Assessing the reliability of household expenditure data: Results of the World Health Survey. Health Policy (Amsterdam, Netherlands), 91(3), 297–305. doi:10.1016/j.healthpol.2009.01.002
