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Acceptability of, and willingness to pay for, community health insurance in rural India

Objectives: To understand the acceptability of, and willingness to pay for, community health insurance coverage among residents of rural India. Methods: We conducted a mixed methods study of 33 respondents located in 8 villages in southern India. Interview domains focused on health-seeking behaviors...

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Detalles Bibliográficos
Autores principales: Jain, Ankit, Swetha, Selva, Johar, Zeena, Raghavan, Ramesh
Formato: Online Artículo Texto
Lenguaje:English
Publicado: Atlantis Press 2014
Materias:
Acceso en línea:https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7333818/
https://www.ncbi.nlm.nih.gov/pubmed/25107651
http://dx.doi.org/10.1016/j.jegh.2013.12.004
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author Jain, Ankit
Swetha, Selva
Johar, Zeena
Raghavan, Ramesh
author_facet Jain, Ankit
Swetha, Selva
Johar, Zeena
Raghavan, Ramesh
author_sort Jain, Ankit
collection PubMed
description Objectives: To understand the acceptability of, and willingness to pay for, community health insurance coverage among residents of rural India. Methods: We conducted a mixed methods study of 33 respondents located in 8 villages in southern India. Interview domains focused on health-seeking behaviors of the family for primary healthcare, household expenditures on primary healthcare, interest in pre-paid health insurance, and willingness to pay for such a product. Results: Most respondents reported that they would seek care only when symptoms were manifest; only 6 respondents recognized the importance of preventative services. None reported impoverishment due to health expenditures. Few viewed health insurance as necessary either because they did not wish to be early adopters, because they had alternate sources of financial support, or because of concerns with the design of insurance coverage or the provider. Those who were interested reported being willing to pay Rs. 1500 ($27) as the modal annual insurance premium. Conclusions: Penetration of community health insurance programs in rural India will require education of the consumer base, careful attention to premium rate setting, and deeper understanding of social networks that may act as financial substitutes for health insurance.
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spelling pubmed-73338182020-07-28 Acceptability of, and willingness to pay for, community health insurance in rural India Jain, Ankit Swetha, Selva Johar, Zeena Raghavan, Ramesh J Epidemiol Glob Health Article Objectives: To understand the acceptability of, and willingness to pay for, community health insurance coverage among residents of rural India. Methods: We conducted a mixed methods study of 33 respondents located in 8 villages in southern India. Interview domains focused on health-seeking behaviors of the family for primary healthcare, household expenditures on primary healthcare, interest in pre-paid health insurance, and willingness to pay for such a product. Results: Most respondents reported that they would seek care only when symptoms were manifest; only 6 respondents recognized the importance of preventative services. None reported impoverishment due to health expenditures. Few viewed health insurance as necessary either because they did not wish to be early adopters, because they had alternate sources of financial support, or because of concerns with the design of insurance coverage or the provider. Those who were interested reported being willing to pay Rs. 1500 ($27) as the modal annual insurance premium. Conclusions: Penetration of community health insurance programs in rural India will require education of the consumer base, careful attention to premium rate setting, and deeper understanding of social networks that may act as financial substitutes for health insurance. Atlantis Press 2014 2014-01-25 /pmc/articles/PMC7333818/ /pubmed/25107651 http://dx.doi.org/10.1016/j.jegh.2013.12.004 Text en © 2013 Ministry of Health, Saudi Arabia. Published by Elsevier Ltd. This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/).
spellingShingle Article
Jain, Ankit
Swetha, Selva
Johar, Zeena
Raghavan, Ramesh
Acceptability of, and willingness to pay for, community health insurance in rural India
title Acceptability of, and willingness to pay for, community health insurance in rural India
title_full Acceptability of, and willingness to pay for, community health insurance in rural India
title_fullStr Acceptability of, and willingness to pay for, community health insurance in rural India
title_full_unstemmed Acceptability of, and willingness to pay for, community health insurance in rural India
title_short Acceptability of, and willingness to pay for, community health insurance in rural India
title_sort acceptability of, and willingness to pay for, community health insurance in rural india
topic Article
url https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7333818/
https://www.ncbi.nlm.nih.gov/pubmed/25107651
http://dx.doi.org/10.1016/j.jegh.2013.12.004
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