Estimating rural households? willingness to pay for health insurance

2004 ◽  
Vol 5 (3) ◽  
pp. 209-215 ◽  
Author(s):  
Ali Asgary ◽  
Ken Willis ◽  
Ali Akbar Taghvaei ◽  
Mojtaba Rafeian
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Rural Households

scholarly journals Households’ Willingness to Pay for Community Based Health Insurance Scheme: in Kewiot and EfratanaGedem Districts of Amhara Region, Ethiopia

2017 ◽  
Vol 7 (2) ◽  
pp. 212 ◽  
Author(s):  
Eshetu Mamo Mogessie ◽  
Getamesay Bekele
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Contingent Valuation Method ◽  
Rural Households ◽  
Health Insurance Scheme ◽  
Amhara Region ◽  
Insurance Scheme ◽  
Community Based ◽  
Community Based Health Insurance ◽  
The Mean

The purpose of this study is to examine determinants of Rural Households’ Willingness to pay (WTP) for Community Based Health Insurance Scheme, in Kewiot and EfratanaGedem districts of Amhara region, Ethiopia. A cross-sectional design that followed a quantitative approach was used. Pre-tested structural and interviewer administered questionnaire was used to collect the desired data. A total of 392 sample rural households were taken by systematic random method. The contingent valuation method of double bounded dichotomous choice format (with calibration strategy) is applied to elicit households’ willingness to pay for the scheme. An interval regression model is used to estimate the mean willingness to pay and to explore the degree of association between predicted WTP and predictor variables. Households’ WTP for the scheme is found significantly associated with factor variables such as gender, education status, family size, level of awareness about the scheme, respondents’ trust in the scheme management, family ill health experience, households’ perceptions on health service quality, and their annual income level. The mean WTP amount is found 211ETB ($10.5) per annum per household. The result clearly shows that 79 % rural households are willing to pay for the scheme. Therefore, despite these factors affecting the rural households’ WTP, there is a potential demand for the community based health insurance scheme. We suggest that, among others, to improve the quality of health care and to build up community awareness and trust on the scheme management have paramount to enhance households’ WTP and hence, to expand health insurance coverage.

scholarly journals Willingness to pay for health insurance in the informal sector of Sierra Leone

PLoS ONE ◽  
2018 ◽  
Vol 13 (5) ◽  
pp. e0189915 ◽  
Author(s):  
Mireia Jofre-Bonet ◽  
Joseph Kamara
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Sierra Leone ◽  
Informal Sector

scholarly journals Household preferences and willingness to pay for health insurance in Kampala City: a discrete choice experiment

2021 ◽  
Vol 19 (1) ◽  
Author(s):  
Edward Kalyango ◽  
Rornald Muhumuza Kananura ◽  
Elizabeth Ekirapa Kiracho
Keyword(s):  
Public Health ◽  
Health Care ◽  
Health Insurance ◽  
Willingness To Pay ◽  
Health Care Providers ◽  
Public Health Care ◽  
Care Providers ◽  
Potential Health ◽  
Kampala City ◽  
Household Preferences

Abstract Introduction Uganda is in discussions to introduce a national health insurance scheme. However, there is a paucity of information on household preferences and willingness to pay for health insurance attributes that may guide the design of an acceptable health insurance scheme. Our study sought to assess household preferences and willingness to pay for health insurance in Kampala city using a discrete choice experiment. Methods This study was conducted from 16th February 2020 to 10th April 2020 on 240 households in the Kawempe division of Kampala city stratified into slum and non-slum communities in order to get a representative sample of the area. We purposively selected the communities that represented slum and non-slum communities and thereafter applied systematic sampling in the selection of the households that participated in the study from each of the communities. Four household and policy-relevant attributes were used in the experimental design of the study. Each respondent attended to 9 binary choice sets of health insurance plans that included one fixed choice set. Data were analyzed using mixed logit models. Results Households in both the non-slum and slum communities had a high preference for health insurance plans that included both private and public health care providers as compared to plans that included public health care providers only (non-slum coefficient β = 0.81, P < 0.05; slum β = 0.87, p < 0.05) and; health insurance plans that covered extended family members as compared to plans that had limitations on the number of family members allowed (non-slum β = 0.44, P < 0.05; slum β = 0.36, p < 0.05). Households in non-slum communities, in particular, had a high preference for health insurance plans that covered chronic illnesses and major surgeries to other plans (0.97 β, P < 0.05). Our findings suggest that location of the household influences willingness to pay with households from non-slum communities willing to pay more for the preferred attributes. Conclusion Potential health insurance schemes should consider including both private and public health care providers and allow more household members to be enrolled in both slum and non-slum communities. However, the inclusion of more HH members should be weighed against the possible depletion of resources and other attributes. Potential health insurance schemes should also prioritize coverage for chronic illnesses and major surgeries in non-slum communities, in particular, to make the scheme attractive and acceptable for these communities.

Pengaruh Pendapatan, Pengetahuan Dan Kerentanan Penyakit Terhadap Willingness To Pay (WTP) Premi Jaminan Kesehatan Pada Pekerja Sektor Informal

2021 ◽  
Vol 7 (1) ◽  
pp. 48-59
Author(s):  
Anom Dwi Prakoso
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Informal Sector ◽  
Low Income ◽  
Disease Susceptibility ◽  
Universal Coverage ◽  
Health Coverage ◽  
Cross Sectional ◽  
Susceptibility Data ◽  
Central Java

  Background: The Indonesian Government's target of Universal Coverage or 100% Health Insurance participation by 2019 failed to be achieved, even until the end of October 2020. The failure of universal coverage resulted in BPJS Health's finances getting worse after experiencing a deficit. Informal sector workers are the most dominant sector that has not participated in the Health Insurance scheme, totaling 30,487,891 workers. Low income, uncertainty each month, and the increase in contributions resulted in a decrease in Willingness to pay Health Insurance contributions. Research purposes: The purpose of this study is to analyze the effect of income, knowledge, and disease susceptibility to the willingness to pay (WTP) of health insurance contributions to informal sector workers. Method: This cross-sectional research was conducted in Kudus Regency, Central Java in January-February 2020. Sampling used purposive sampling with a total of 200 informal sector workers who had not yet participated in BPJS Kesehatan. The dependent variable is a willingness to pay. The independent variables are income, knowledge, and disease susceptibility. Data collection using a questionnaire and data analysis with logistic regression. Result: Willingness To Pay health insurance contributions for informal sector workers increased in income ≥Rp 2,218,451 (b = 2.02; 95% CI = 1.01-3.55; p = 0.044), high knowledge (b = 4.64; 95% CI = 2.36-8.31; p <0.001), high disease susceptibility (b = 3.01; 95% CI = 0.26-5.75; p = 0.031). Conclusion: Income, knowledge, and disease vulnerability have a significant effect on the willingness to pay for health insurance contributions for informal sector workers.   Keywords: Universal Health Coverage; Willingness To Pay; Health Insurance; informal sector workers.

scholarly journals Willingness and ability to pay for healthcare insurance: A cross-sectional study of Seven Communities in East and West Africa (SevenCEWA)

2021 ◽  
Vol 1 (11) ◽  
pp. e0000057
Author(s):  
Oladimeji Akeem Bolarinwa ◽  
Soter Ameh ◽  
Caleb Ochimana ◽  
Abayomi Olabayo Oluwasanu ◽  
Okello Samson ◽  
...  
Keyword(s):  
Health Insurance ◽  
Secondary Education ◽  
West Africa ◽  
Willingness To Pay ◽  
Healthcare Expenditure ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Cross Sectional ◽  
Ability To Pay ◽  
East And West

Willingness and ability to pay for insurance that would cover primary healthcare services has not been evaluated consistently in different African communities. We conducted a cross-sectional community health survey and examined willingness and ability to pay in 3676 adults in seven communities in four countries: Nigeria, Tanzania, Uganda and Kenya. We used an open-ended contingency valuation method to estimate willingness to pay and examined ability to pay indirectly by calculating the ratio of healthcare expenditure to total household income. Slightly more than three quarters (78.8%) of participants were willing to pay for a health insurance scheme, and just a little above half (54.7%) were willing to pay for all household members. Across sites, median amount willing to pay was $2 per person per month. A little above half (57.6%) of households in Nigeria were able to pay the premium. The main predictors of likelihood of being unwilling to pay for the health insurance scheme were increasing age [aOR 0.99 (95% CI 0.98, 1.00)], being female [0.68 (0.51, 0.92], single [0.32 (0.21, 0.49)], unemployment [0.54 (0.34, 0.85)], being enrolled in another health insurance scheme [0.45 (0.28, 0.74)] and spending more on healthcare [1.00 (0.99, 1.00)]. But being widow [2.31 (1.30, 4.10)] and those with primary and secondary education [2.23 (1.54, 3.22)] had increased likelihood of being willing to pay for health insurance scheme. Retired respondents [adjusted mean difference $-3.79 (-7.56, -0.02)], those with primary or secondary education [$-3.05 (-5.42, -0.68)] and those with high healthcare expenditure [$0.02 (0.00, 0.04)] predicted amount willing to pay for health insurance scheme. The willingness to pay for health insurance scheme is high among the seven communities studied in East and West Africa with socio-demography, economic and healthcare cost as main predictive factors.

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