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Health insurance for university students in Bangladesh: A novel experiment

BACKGROUND AND AIMS: Bangladesh requires some pragmatic initiatives for using its immense potentiality to flourish health insurance. Introducing group health insurance for university students is a groundbreaking idea for stepping toward social health insurance in Bangladesh. This article examined th...

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Autores principales: Hamid, Syed Abdul, Khanam, Moriam, Azim, Md. Ragaul, Islam, Md. Sirajul
Formato: Online Artículo Texto
Lenguaje:English
Publicado: John Wiley and Sons Inc. 2021
Materias:
Acceso en línea:https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8485632/
https://www.ncbi.nlm.nih.gov/pubmed/34622018
http://dx.doi.org/10.1002/hsr2.382
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author Hamid, Syed Abdul
Khanam, Moriam
Azim, Md. Ragaul
Islam, Md. Sirajul
author_facet Hamid, Syed Abdul
Khanam, Moriam
Azim, Md. Ragaul
Islam, Md. Sirajul
author_sort Hamid, Syed Abdul
collection PubMed
description BACKGROUND AND AIMS: Bangladesh requires some pragmatic initiatives for using its immense potentiality to flourish health insurance. Introducing group health insurance for university students is a groundbreaking idea for stepping toward social health insurance in Bangladesh. This article examined the effect of the health insurance initiative for the university students introduced by the Institute of Health Economics, University of Dhaka, on attitude toward insurance and protecting financial risk against health care expenditure. METHOD: We used both management information system (MIS) and primary data obtained through mixed methods. We collected the quantitative data from a baseline survey on 310 students and a year‐end survey on 151 students. We used bivariate tools to analyze the data. RESULTS: The results show that the mean score of attitude toward health insurance in the year‐end survey (4.04) was significantly higher than the baseline score (3.21). Results also show that a significantly higher percentage of the students reported insurance as “useful” in the year‐end survey (83.74%) than the baseline survey (40.40%). The results also reflectes that the scheme has a substantial impact on reducing the out‐of‐pocket spending for health care, especially for in‐patient care, and the anxiety regarding the financing of health care among the students. There is also an indication of sustainability and the feasibility of scaling up such a scheme across the country. CONCLUSIONS: Introducing such health insurance by all the universities may guide the nation toward large‐scale group health insurance and social health insurance.
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spelling pubmed-84856322021-10-06 Health insurance for university students in Bangladesh: A novel experiment Hamid, Syed Abdul Khanam, Moriam Azim, Md. Ragaul Islam, Md. Sirajul Health Sci Rep Research Articles BACKGROUND AND AIMS: Bangladesh requires some pragmatic initiatives for using its immense potentiality to flourish health insurance. Introducing group health insurance for university students is a groundbreaking idea for stepping toward social health insurance in Bangladesh. This article examined the effect of the health insurance initiative for the university students introduced by the Institute of Health Economics, University of Dhaka, on attitude toward insurance and protecting financial risk against health care expenditure. METHOD: We used both management information system (MIS) and primary data obtained through mixed methods. We collected the quantitative data from a baseline survey on 310 students and a year‐end survey on 151 students. We used bivariate tools to analyze the data. RESULTS: The results show that the mean score of attitude toward health insurance in the year‐end survey (4.04) was significantly higher than the baseline score (3.21). Results also show that a significantly higher percentage of the students reported insurance as “useful” in the year‐end survey (83.74%) than the baseline survey (40.40%). The results also reflectes that the scheme has a substantial impact on reducing the out‐of‐pocket spending for health care, especially for in‐patient care, and the anxiety regarding the financing of health care among the students. There is also an indication of sustainability and the feasibility of scaling up such a scheme across the country. CONCLUSIONS: Introducing such health insurance by all the universities may guide the nation toward large‐scale group health insurance and social health insurance. John Wiley and Sons Inc. 2021-10-01 /pmc/articles/PMC8485632/ /pubmed/34622018 http://dx.doi.org/10.1002/hsr2.382 Text en © 2021 The Authors. Health Science Reports published by Wiley Periodicals LLC. https://creativecommons.org/licenses/by-nc-nd/4.0/This is an open access article under the terms of the http://creativecommons.org/licenses/by-nc-nd/4.0/ (https://creativecommons.org/licenses/by-nc-nd/4.0/) License, which permits use and distribution in any medium, provided the original work is properly cited, the use is non‐commercial and no modifications or adaptations are made.
spellingShingle Research Articles
Hamid, Syed Abdul
Khanam, Moriam
Azim, Md. Ragaul
Islam, Md. Sirajul
Health insurance for university students in Bangladesh: A novel experiment
title Health insurance for university students in Bangladesh: A novel experiment
title_full Health insurance for university students in Bangladesh: A novel experiment
title_fullStr Health insurance for university students in Bangladesh: A novel experiment
title_full_unstemmed Health insurance for university students in Bangladesh: A novel experiment
title_short Health insurance for university students in Bangladesh: A novel experiment
title_sort health insurance for university students in bangladesh: a novel experiment
topic Research Articles
url https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8485632/
https://www.ncbi.nlm.nih.gov/pubmed/34622018
http://dx.doi.org/10.1002/hsr2.382
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