scholarly journals PNS152 WILLINGNESS TO PAY FOR SOCIAL HEALTH INSURANCE AND RELATED FACTORS AMONG POPULATION IN YOGYAKARTA PROVINCE, INDONESIA

2019 ◽  
Vol 22 ◽  
pp. S787
Author(s):  
K.H. Darmawan ◽  
S. Satibi ◽  
S.A. Kristina
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Social Health Insurance ◽  
Social Health ◽  
Related Factors

scholarly journals Willingness to Join and Pay for Social Health Insurance Scheme Among employees in Debere Berhan Town, Ethiopia

2019 ◽  
Author(s):  
Wassie Negash Mekonnen ◽  
Mesfin Wondaferew ◽  
Adugnaw Birhane Mekonen
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Contingent Valuation Method ◽  
Social Health Insurance ◽  
Health Insurance Scheme ◽  
Social Health ◽  
P Value ◽  
Multivariable Logistic Regression Analysis ◽  
Insurance Scheme ◽  
The Government

Abstract Back ground: Social Health Insurance improves access to health services among civil servants by removing catastrophic health expenditure. In Ethiopia, only 7.3% of the population covered by health insurance. Due to this fact the government of Ethiopia initiated Social Health Insurance scheme to be applied in the formal employers and employees with compulsory membership of the scheme. This study therefore aimed to assess willingness to join and pay for social health insurance scheme among government and private employees in Debere Berhan Town, Ethiopia .Methods: Cross-sectional study was conducted .At mean time Stratified sampling technique was used to select 619 employees. A modified dichotomous contingent valuation method (CVM) was applied to elicit employees’ willingness to pay. Bi-variant and multivariable logistic regression analysis was done . Then the result at 95% CI and P value <0.05 was declared as variables have statistically significant association. Results: A total of 619 employees with response rate of 97.8% were participated in the study. About 406 (65%) of the respondents were willing to join to Social Health Insurance scheme. Of which 113 (27.8%) of employees were willing to pay the government proposed 3% premium. The employee’s average willingness to pay for social health insurance scheme was 1.88% of their monthly salary. In this study the odds of respondents who had degree and above (AOR=3.608, 95%CI 1.177-11.061), employees good perception on quality health service (AOR=3.150, 95% CI 1.140-8.699) and employees who perceive benefit packages of social health insurance as enough (AOR=5.229, 95%CI: 2.230-12 .594) were higher than the counter parts. Conclusion: Employees willingness to join of the Social Health Insurance scheme(SHIS) is low and very low number of employees agree to pay the government proposed premium for SHIS. So decision-makers should emphasize to revise the benefit packages and the premiums to be contributed. likewise insurance agency and all responsible bodies should aware the society about the importance of social health insurance for the employees.

scholarly journals Willingness to Pay for Social Health Insurance and Associated Factors among Health Care Providers in Addis Ababa, Ethiopia

2020 ◽  
Vol 2020 ◽  
pp. 1-7
Author(s):  
Abel Mekonne ◽  
Benyam Seifu ◽  
Chernet Hailu ◽  
Alemayehu Atomsa
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Willingness To Pay ◽  
Health Care Providers ◽  
Health Professionals ◽  
Addis Ababa ◽  
Social Health Insurance ◽  
Social Health ◽  
Care Providers ◽  
The Government

Background. Cost sharing between beneficiaries and government is critical to attain universal health coverage. The government of Ethiopia introduced social health insurance to improve access to quality health services. Hence, HCP are the ultimate frontline service provider; their WTP for health insurance could influence the implementation of the scheme directly or indirectly. However, there is limited evidence on willingness to pay (WTP) for social health insurance (SHI) among health professionals. Methods. A cross-sectional study was conducted in Addis Ababa, Ethiopia, from May 1st to August 15th, 2019. A total sample of 480 health care providers was selected using a multistage sampling method. The collected data were entered into Epi Info version 7.1 and analyzed with SPSS version 23. Binary and multiple logistic regression analysis was carried out to identify the associated factor outcome variable. The association was presented in odds ratio with 95% confidence interval and significance determined at a P value less than 0.05. Result. A total of 460 health care providers responded to the questionnaire, making a 95.8% response rate. Of the respondents, only 132 (28.7%) were WTP for SHI. Higher educational status [AOR=2.9, 95% CI (1.2-7.3)], higher monthly income [AOR=2.2, 95% CI (1.2-4.3)], recent family illness [AOR=2.4, 95% CI (1.4-4.4)], and a good awareness about SHI [AOR=4.4, 95% CI (2.4-7.8)] showed significant association with WTP for SHI. The main reasons for not WTP were thinking the government should cover the cost, preferring out-pocket payment and the provided SHI scheme does not cover all the health care costs health care providers lost interest in pay for SHI. Conclusion and Recommendation. The majority of health care providers were not willing to pay for the introduced SHI scheme. The provided SHI scheme should be clear and provide special consideration for health care providers as the majority of them receives free health care service from their employer health care institution. Also, the government, health professional associations, and other concerned stakeholders should provide awareness creation programs by targeting low and middle-level health professionals in order to increase WTP for SHI among health care providers.

scholarly journals Willingness to pay for private health insurance among workers with mandatory social health insurance in Mongolia

2021 ◽  
Vol 20 (1) ◽  
Author(s):  
Ochirbat Batbold ◽  
Christy Pu
Keyword(s):  
Developing Countries ◽  
Health Insurance ◽  
Willingness To Pay ◽  
Health Expenditure ◽  
Private Health Insurance ◽  
Contingent Valuation Method ◽  
Social Health Insurance ◽  
Social Health ◽  
Primary Data ◽  
Working Population

Abstract Background High out-of-pocket health expenditure is a common problem in developing countries. The employed population, rather than the general population, can be considered the main contributor to healthcare financing in many developing countries. We investigated the feasibility of a parallel private health insurance package for the working population in Ulaanbaatar as a means toward universal health coverage in Mongolia. Methods This cross-sectional study used a purposive sampling method to collect primary data from workers in public and primary sectors in Ulaanbaatar. Willingness to pay (WTP) was evaluated using a contingent valuation method and a double-bounded dichotomous choice elicitation questionnaire. A final sample of 1657 workers was analyzed. Perceptions of current social health insurance were evaluated. To analyze WTP, we performed a 2-part model and computed the full marginal effects using both intensive and extensive margins. Disparities in WTP stratified by industry and gender were analyzed. Results Only < 40% of the participants were satisfied with the current mandatory social health insurance in Mongolia. Low quality of service was a major source of dissatisfaction. The predicted WTP for the parallel private health insurance for men and women was Mongolian Tugrik (₮)16,369 (p < 0.001) and ₮16,661 (p < 0.001), respectively, accounting for approximately 2.4% of the median or 1.7% of the average salary in the country. The highest predicted WTP was found for workers from the education industry (₮22,675, SE = 3346). Income and past or current medical expenditures were significantly associated with WTP. Conclusion To reduce out-of-pocket health expenditure among the working population in Ulaanbaatar, Mongolia, supplementary parallel health insurance is feasible given the predicted WTP. However, given high variations among different industries and sectors, different incentives may be required for participation.

scholarly journals Perception of Social Health Insurance Program among Community People in Pokhara, Nepal

2020 ◽  
Vol 9 (1) ◽  
pp. 211-220
Author(s):  
Sharada Sharma ◽  
Sobita Banjara
Keyword(s):  
Health Insurance ◽  
Social Health Insurance ◽  
Peer Pressure ◽  
Social Health ◽  
Future Price ◽  
Related Factors ◽  
Provider Attitude ◽  
Insurance Program ◽  
Health Insurance Program ◽  
Community People

Perception of social health insurance program is the way in which it is understood or interpreted in terms of different factors; quality of care service delivery adequacy, benefits of program, convenience, price, providers attitude, peer pressure, Community beliefs and attitudes. The main aim of this study is to identify community people’s perception and the factors influencing the perception of people towards social health insurance program. Data from total of 105household registered in insurance program (insured) were collected. Descriptive cross sectional study design was used. The data were analyzed and interpreted by using descriptive and inferential statistics through the computer program SPSS 16 version and presented in tables. Findings revealed that age group range from 20 to 77 years, 72.4 percent family size 5 or below 74.3 percent utilized the insurance services from the accredited health facility. Regarding the reason for enrollment, 83.8 percent said financial protection against illness, 50.8 percent gave the reason that they had to buy drugs outside facility as the main reason for not renewing the program in future. Price of program related response was top perceived factor with mean 3.97±0.70 whereas provider attitude was low perceived factor with mean 1.95± 0.58. The study concluded that the price of program related factors were the top perceived factors whereas provider attitude related factors were low perceived factors that may influence for the perception of community people towards social health insurance program.

scholarly journals Health Believes and Willingness to Pay (WTP) for Social Health Insurance in Post Conflicts Fragile State South Sudan

2021 ◽  
Author(s):  
Lado Gwokorok
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
South Sudan ◽  
Social Health Insurance ◽  
Social Health ◽  
P Value ◽  
Fragile States ◽  
Fragile State ◽  
Post Conflict ◽  
South Sudanese

Abstract Background Funding of healthcare in Post conflict fragile state South Sudan is mainly done by international donors. Economic growth in such states, is likely to plunge between ($ 1.4 and $ 2.8) billion. Post conflict fragile states have higher rate of infectious and communicable diseases. Aim is to establish that post conflict fragile state South Sudanese are willing to pay for social health insurance. The study is to fill this literature gap.Households are susceptible and varies in health risks behaviour. Sudden illness sparks sense of illness affecting. Households cue to providing medical treatments. Successful treatments inspired households. Our desire to achieve in the community; enhances believes in treatment helping illness. MethodsA modified version of (Form (II), questionnaire was used in this research. The aim was to measure the health believes of Post Conflict Fragile State South Sudanese and willingness to pay for social health insurance. A Two-way analysis of variance was used. There were 205 females and 518 males among the sampled, family sizes. Household income, was 5,00 to above 3,600 South Sudanese pounds. Type of pecuniary were (land ownerships, cash deposits, crop stock, animal stock, machinery). Respondents were asked years’ worked on range of (3, 7, 11) years.Results A mean of approximately 3,777 South Sudanese pounds ($ 32 USD) was established. The female gender had mean of about 3,134 SSPs compared to 4,032 SSPs of the male counterpart. Family sizes, (11 to 15) and (16 to 20) heads had mean of 6,429 and 5,036 pounds. The model was able to explain 37.03% percent of the mean variations, (P-value = 0.0045). Discussion This finding is superior to the $ 11.12 annual premium from Northeast Ethiopia. This research has noted the shift in individual behaviour towards preventive health behaviours. The degree of fragility is a limitation.Conclusions Social health insurance can finance healthcare services in post conflict fragile state South Sudan. Health believed model is relevant to health insurance and it is important in demonstrating behavioral change.

scholarly journals Government Employees of Bangladesh and their Willingness to Pay for Social Health Insurance

2021 ◽  
Vol 11 (2) ◽  
pp. 207
Author(s):  
Soeb Md. Shoayeb Noman
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Social Health Insurance ◽  
Insurance Premium ◽  
Social Health ◽  
Government Employees ◽  
Insurance Scheme ◽  
Health Insurance Premium ◽  
The Social ◽  
The Cost

Determining the health insurance premium is the most important aspect in providing social health insurance. In measuring the rate, it is needed to calculate the cost of providing the service. One possible methodological tool of calculating the cost is the contingent valuation method for the evaluation of the consumers’ capacity and their willingness to pay for the services. This study applied a Logit model, having binary depended variable with follow up dichotomous choice at different premium levels, to estimate the factors associated to joining the social health insurance scheme. The study found that 80.1 percent of the government employees of Bangladesh wants to pay on average 6.69 percent of their basic salary as social health insurance premium. The result shows that younger peoples are less willing to pay while older people are more willing to pay for social health insurance. The study also revealed that the area of residence and no of visit to doctor play a key role in determining the willingness to pay. This study should help the policymakers to formulate and implement the social health insurance scheme in Bangladesh.

scholarly journals Willingness to Pay for Social Health Insurance by the Self-employed in Port Harcourt, Rivers State; A Contingent Valuation Approach

2019 ◽  
pp. 1-15
Author(s):  
Ikeokwu E. Anderson ◽  
Foluke O. Adeniji
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Contingent Valuation ◽  
Contingent Valuation Method ◽  
Social Health Insurance ◽  
The Self ◽  
Government Support ◽  
Social Health ◽  
Trade Association ◽  
Port Harcourt

Background/Aim: Urban Self-Employed Social Health Insurance (USSHIP), which is similar to Community-based health insurance schemes CBHI, USSHIP, is a package in the National Health Insurance Scheme NHIS specific but is not limited to self-employed individuals in Nigeria which has been rarely explored as instrument in financing healthcare in Nigeria. This study was aimed to assess the Willingness-to-Pay (WTP) for USSHIP and its determinants amongst the self-employed in Port Harcourt. Methodology: This was a cross-sectional descriptive study of 204 self-employed individuals selected from various trade association in Port Harcourt using semi-structured interviewer-administered pre-tested questionnaires. An iterative bidding approach of the contingent valuation method was used to elicit maximum WTP for the schemes. A multivariate logistic regression analysis was done to determine predictors to WTP. Data collected were analysed using the Statistical Package for Social Science (SPSS), version 23 software. Results: The results show that 89.7% were willing to enrol into the program; the median WTP for the scheme per person/per month is ₦300 ($0.83). The predictors of WTP were marital status, level of education and mode of payment of healthcare. Conclusion: Sequel to the findings of this study, the WTP amount for social health insurance program by the self-employed is too small, the implications for these findings imply that with the amount stated, the program cannot be successfully implemented. Recognizing this low amount stated for WTP for USSHIP, which is insufficient to scale up the scheme, the government support for the program is highly recommended.

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