Dynamic information asymmetry in micro health insurance: implications for sustainability

2021 ◽  
Author(s):  
Xiaoqi Zhang ◽  
Yi Chen ◽  
Yi Yao
Keyword(s):  
Health Insurance ◽  
Information Asymmetry ◽  
Dynamic Information ◽  
Micro Health Insurance

scholarly journals Socioeconomic and programmatic determinants of renewal of membership in a voluntary micro health insurance scheme: evidence from Chakaria, Bangladesh

2017 ◽  
Vol 10 (1) ◽  
pp. 1287398 ◽  
Author(s):  
Mohammad Iqbal ◽  
Asiful Haidar Chowdhury ◽  
Shehrin Shaila Mahmood ◽  
Mohammad Nahid Mia ◽  
S. M. A. Hanifi ◽  
...  
Keyword(s):  
Health Insurance ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Micro Health Insurance

scholarly journals What factors drive heterogeneity of preferences for micro-health insurance in rural Malawi?

2016 ◽  
Vol 31 (9) ◽  
pp. 1172-1183 ◽  
Author(s):  
Gilbert Abotisem Abiiro ◽  
Aleksandra Torbica ◽  
Kassim Kwalamasa ◽  
Manuela De Allegri
Keyword(s):  
Health Insurance ◽  
Micro Health Insurance ◽  
Heterogeneity Of Preferences

Why Members Dropout? An Evaluation of Factors Affecting Renewal in Micro Health Insurance

2017 ◽  
Vol 19 (2) ◽  
pp. 292-303 ◽  
Author(s):  
B. Savitha
Keyword(s):  
Health Insurance ◽  
Low Income ◽  
Dropout Rate ◽  
Point Of View ◽  
Low Risk ◽  
Micro Health Insurance ◽  
Factors Affecting ◽  
The Social ◽  
The Family ◽  
Low Income Families

Micro health insurance (MHI) is an important mechanism to fight iatrogenic poverty in India. Its sustainability and viability depends, to a greater extent on the renewal of membership. This article evaluates the factors that influence renewal decisions in Sampoorna Suraksha Programme (SSP) in Karnataka. This study shows income class and chronic illness in the family to determine the renewability. The findings indicate adverse selection since low-income low-risk and high-income low-risk families dropout. From the social welfare point of view, renewal from high-risk low-income families is welcome; yet this should not jeopardize resource mobilization of SSP. Sustainable and viable operations of SSP depends on continued membership of insured population that can be achieved through external financial assistance for the poorest, wider network of hospitals and increased awareness on health insurance. Dropout rate in any MHI scheme should be kept very low to achieve deeper penetration and wider coverage especially in India where large percentage of population falls outside the insurance ambit.

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