Understanding family-based health insurance enrolment among informal sector workers in a rural district of Vietnam: Adverse selection and key determinants

2020 ◽  
pp. 1-12
Author(s):  
Hien Thi Ho ◽  
Olinda Santin ◽  
Hung Quang Ta ◽  
Nguyen Nga Thuy Thi ◽  
Uyen Thi Do
Keyword(s):  
Health Insurance ◽  
Adverse Selection ◽  
Informal Sector ◽  
Rural District ◽  
Family Based

Family-Based Health Insurance for Informal Sector Workers in Vietnam: Why Does Enrolment Remain Low?

2018 ◽  
Vol 30 (8) ◽  
pp. 699-707 ◽  
Author(s):  
Nguyen Thi Thuy Nga ◽  
Gerard FitzGerald ◽  
Michael Dunne
Keyword(s):  
Health Care ◽  
Primary Health Care ◽  
Health Insurance ◽  
Informal Sector ◽  
Health Care Services ◽  
Insurance Coverage ◽  
Social Health Insurance ◽  
Primary Health ◽  
Family Based

Providing financial protection to the whole population is a top health policy priority of many countries. However, expanding social health insurance coverage to the “informal sector worker” is a challenge in many developing countries. This study analyzed the reasons for the limited coverage of health insurance for informal sector workers. Direct interviews were carried out with 391 uninsured households in Vietnam, followed by in-depth interviews with 11 key stakeholders. The study offers several possible explanations for the low enrollment in family-based health insurance scheme at both the demand and supply sides, such as inability to pay the premium, lack of information, perceived poor quality of primary health care services, and complicated enrollment procedures. The study suggests that a partial government subsidy and improvement in the quality of primary health care are crucial strategies for health insurance expansion for the informal sector workers and their families.

FACTORS AFFECTING DELAYINGPAYMENT OF NATIONAL HEALTH INSURANCE (BPJS KESEHATAN)PREMIUM AMONG PARTICIPANTS OF THE INFORMAL SECTOR IN BANYUMAS REGENCY

2019 ◽  
Vol 22 (11) ◽  
pp. 485-491
Author(s):  
Arih Diyaning Intiasari ◽  
Budi Aji ◽  
Siti Masfiah ◽  
Laksono Trisnantoro ◽  
Julita Hendrartini
Keyword(s):  
Health Insurance ◽  
National Health Insurance ◽  
Informal Sector ◽  
National Health ◽  
Factors Affecting

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

The Role of Behavioral Frictions in Health Insurance Marketplace Enrollment and Risk: Evidence from a Field Experiment

2021 ◽  
Vol 111 (5) ◽  
pp. 1549-1574
Author(s):  
Richard Domurat ◽  
Isaac Menashe ◽  
Wesley Yin
Keyword(s):  
Health Insurance ◽  
Field Experiment ◽  
Positive Selection ◽  
Adverse Selection ◽  
Low Income ◽  
Market Risk ◽  
Selection Model ◽  
Heterogeneous Effects ◽  
Low Income Consumers

We experimentally varied information mailed to 87,000 households in California’s health insurance marketplace to study the role of frictions in insurance take-up. Reminders about the enrollment deadline raised enrollment by 1.3 pp (16 percent) in this typically low take-up population. Heterogeneous effects of personalized subsidy information indicate misperceptions about program benefits. Consistent with an adverse selection model with frictional enrollment costs, the intervention lowered average spending risk by 5.1 percent, implying that marginal respondents were 37 percent less costly than inframarginal consumers. We observe the largest positive selection among low income consumers, who exhibit the largest frictions in enrollment. Finally, we estimate the implied value of the letter intervention to be $25 to $53 per month in subsidy dollars. These results suggest that frictions may partially explain low take-up for marketplace insurance, and that interventions reducing them can improve enrollment and market risk in exchanges. (JEL C93, G22, G52, H75, I13)

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.

Evaluating the Impact and Effectiveness of Community-Based Health Insurance Policy Among Informal Sector in Lagos State Using Donabedian Model

2021 ◽  
Vol 5 (2) ◽  
pp. 65-80
Author(s):  
Afeez Kolawole Shittu ◽  
Kikelomo Aboyowa Mbada ◽  
Temitayo Isaac Odeyemi
Keyword(s):  
Health Insurance ◽  
Informal Sector ◽  
Urban Areas ◽  
National Level ◽  
Community Based ◽  
Community Based Health Insurance ◽  
Healthcare Needs ◽  
Lagos State ◽  
Donabedian Model ◽  
The Impact

The study used the Donabedian model (process, structure, and outcome) to evaluate the impact and effectiveness of the Community Based Health Insurance Scheme (CBHIS) among informal sector population in rural and semi-urban areas of Lagos State, and the respondents were drawn among the market men and women, motorist, among others. Three hundred and eighty-four (384) respondents were sampled based on the research advisor's sampling size. Lagos State is stratified along with its three senatorial districts and a local government each is purposively selected based on the full implementation of CBHIS. Data were analysed using descriptive and interferential statistics and the result revealed that 55% of respondents attested to the effectiveness of CBHIS in drastically reducing the cost of medical services and enhancing equal accessibility for healthcare needs. On the other hand, the implementation of CBHIS has no significant impact on healthcare service delivery due to the unfriendly attitude of healthcare providers towards the beneficiaries. The study concluded by providing information on the outcomes of CBHIS implementation at the sub-national level of government in Nigeria and suggest ways of improvement.

scholarly journals Health Insurance Coverage and Adverse Selection

2011 ◽  
pp. 225-231 ◽  
Author(s):  
Philippe Lambert ◽  
Sergio Perelman ◽  
Pierre Pestieau ◽  
Jérôme Schoenmaeckers
Keyword(s):  
Health Insurance ◽  
Adverse Selection ◽  
Insurance Coverage ◽  
Health Insurance Coverage
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