scholarly journals Illness and Wage Loss: Longitudinal Evidence from India (and Implications for the Universal Health Coverage Agenda)

2021 ◽  
Author(s):  
Aditya Shrinivas ◽  
Suhani Jalota ◽  
Aprajit Mahajan ◽  
Grant Miller
Keyword(s):  
Universal Health Coverage ◽  
Economic Burden ◽  
Financial Risk ◽  
Burden Of Illness ◽  
Health Coverage ◽  
Medical Spending ◽  
Wage Loss ◽  
Universal Health ◽  
Wage Income ◽  
Economic Distribution

Background: A key aim of Universal Health Coverage (UHC) is to protect individuals and households against the financial risk of illness. Large-scale health insurance expansions are therefore a central focus of the UHC agenda. Importantly, however, health insurance does not protect against a key dimension of financial risk associated with illness: forgone wage income (due to short-term disability). In this paper, we quantify the economic burden of illness in India attributable--separately--to wage loss and to medical care spending, as well as differences in them across the socio-economic distribution. Methods: We use data from two Indian longitudinal household surveys: (i) the Village Dynamics in South Asia (VDSA) survey (1,350 households surveyed every month for 60 months between 2010 and 2015) and (ii) the Indian Human Development Survey (IHDS) (more than 40,000 households surveyed in 2005 and again in 2011). The VDSA allows us to study the economic dynamics of illness using high-frequency observations, and the IHDS allows us to confirm our findings in a nationally-representative sample. Both contain individual- and household-level information about illness, wage income, and medical spending over time. We use longitudinal variation in illness to estimate regression models of economic burden separately for wage loss and medical care spending across the socio-economic distribution. Our regression models include a series of fixed effects that control for differences in time-invariant household (or individual) characteristics and time-varying factors common across households. Findings: 1,184 households (88%) in the VDSA sample reported an episode of illness over 60 months, and 15770 households (40%) in the IHDS reported an illness in the preceding year. In the VDSA sample, on average, a day of illness was associated with a reduction in monthly per capita wage income of Rs 77 [95% CI -99 to -57] and an increase in monthly per capita medical spending of Rs 126 [95% CI 110-142]. Variation across the socio-economic distribution was substantial. Among the poorest households, wage loss due to illness is roughly 15% of total household spending--nearly three times greater than medical spending. Alternatively, among the most affluent households, wage loss is less than 5% of total household spending--and only one-third of medical spending. Put differently, wage loss accounts for more than 80% of the total economic burden of illness among the poorest households, but only about 20% of the economic burden of illness among the most affluent. Estimates from the IHDS sample show that this socio-economic gradient is present in the Indian population generally. Interpretation: Wage loss accounts for a substantial share of the total economic burden of illness in India--and disproportionately so among the poorest households. If Universal Health Coverage truly aims to protect households against the financial risk of illness--particularly poor households, the inclusion of wage loss insurance or another illness-related income replacement benefit is needed.

scholarly journals Financial risk protection of Thailand’s universal health coverage: results from series of national household surveys between 1996 and 2015

2020 ◽  
Vol 19 (1) ◽  
Author(s):  
Viroj Tangcharoensathien ◽  
Kanjana Tisayaticom ◽  
Rapeepong Suphanchaimat ◽  
Vuthiphan Vongmongkol ◽  
Shaheda Viriyathorn ◽  
...  
Keyword(s):  
Universal Health Coverage ◽  
Financial Risk ◽  
Health Spending ◽  
Poverty Line ◽  
Health Coverage ◽  
Financial Risk Protection ◽  
Catastrophic Health Spending ◽  
Risk Protection ◽  
Universal Health ◽  
Benefits Package

Abstract Background Thailand, an upper-middle income country, has demonstrated exemplary outcomes of Universal Health Coverage (UHC). The country achieved full population coverage and a high level of financial risk protection since 2002, through implementing three public health insurance schemes. UHC has two explicit goals of improved access to health services and financial protection where use of these services does not create financial hardship. Prior studies in Thailand do not provide evidence of long-term UHC financial risk protection. This study assessed financial risk protection as measured by the incidence of catastrophic health spending and impoverishment in Thai households prior to and after UHC in 2002. Methods We used data from a 15-year series of annual national household socioeconomic surveys (SES) between 1996 and 2015, which were conducted by the National Statistic Office (NSO). The survey covered about 52,000 nationally representative households in each round. Descriptive statistics were used to assess the incidence of catastrophic payment as measured by the share of out-of-pocket payment (OOP) for health by households exceeding 10 and 25% of household total consumption expenditure, and the incidence of impoverishment as determined by the additional number of non-poor households falling below the national and international poverty lines after making health payments. Results Using the 10% threshold, the incidence of catastrophic spending dropped from 6.0% in 1996 to 2% in 2015. This incidence reduced more significantly when the 25% threshold was applied from 1.8 to 0.4% during the same period. The incidence of impoverishment against the national poverty line reduced considerably from 2.2% in 1996 to approximately 0.3% in 2015. When the international poverty line of US$ 3.1 per capita per day was applied, the incidence of impoverishment was 1.4 and 0.4% in 1996 and 2015 respectively; and when US$ 1.9 per day was applied, the incidence was negligibly low. Conclusion The significant decline in the incidence of catastrophic health spending and impoverishment was attributed to the deliberate design of Thailand’s UHC, which provides a comprehensive benefits package and zero co-payment at point of services. The well-founded healthcare delivery system and favourable benefits package concertedly support the achievement of UHC goals of access and financial risk protection.

scholarly journals Financial risk protection of Thailand’s Universal Health Coverage: results from series of national household surveys between 1996 and 2015

2020 ◽  
Author(s):  
Viroj Tangcharoensathien ◽  
Kanjana Tisayaticom ◽  
Rapeepong Suphanchaimat ◽  
Vuthiphan Vongmongkol ◽  
Shaheda Viriyathorn ◽  
...  
Keyword(s):  
Universal Health Coverage ◽  
Financial Risk ◽  
Health Spending ◽  
Poverty Line ◽  
Health Coverage ◽  
Financial Risk Protection ◽  
Catastrophic Health Spending ◽  
Out Of Pocket Payments ◽  
Risk Protection ◽  
Universal Health

Abstract Background: Thailand, an upper-middle income country, has demonstrated exemplary outcomes of Universal Health Coverage (UHC). The country achieved full population coverage and a high level of financial risk protection since 2002, through implementing three public health insurance schemes. UHC has two explicit goals of improved access to health services and financial protection where use of these services does not create financial hardship. Prior studies in Thailand do not however provide evidence of long-term UHC financial risk protection. This study assessed financial risk protection as measured by the incidence of catastrophic health spending and impoverishment in Thai households prior to and after UHC in 2002.Methods: We used data from a fifteen-year series of annual national household socioeconomic surveys between 1996 and 2015, which were conducted by the National Statistical Office. The survey covered about 52,000 nationally representative households in each round. Descriptive statistics were used to assess the incidence of catastrophic payment as measured by the share of out-of-pocket payments for health by households exceeding 10% and 25% of household total consumption expenditure, and the incidence of impoverishment as determined by the additional number of non-poor households falling below the national and international poverty lines after making health payments. Results: Using the 10% threshold, the incidence of catastrophic spending dropped from 6.0% in 1996 to 2% in 2015. This incidence reduced more significantly when the 25% threshold was applied from 1.8% to 0.4% during the same period. The incidence of impoverishment against the national poverty line reduced considerably from 2.2% in 1996 to approximately 0.3% in 2015. When the international poverty line of US$ 3.1 per capita per day was applied, the incidence of impoverishment was 1.4% and 0.4% in 1996 and 2015 respectively; and when US$ 1.9 per day was applied, the incidence was negligibly low. Conclusion: The significant decline in the incidence of catastrophic health spending and impoverishment was attributed to the deliberate design of Thailand’s UHC, which provides a comprehensive benefits package and zero co-payment at point of services. The well-founded healthcare delivery system and favourable benefit package concertedly support the achievement of UHC goals of access and financial risk protection.

scholarly journals Trends and projections of universal health coverage indicators in Ghana, 1995-2030: A national and subnational study

2018 ◽  
Author(s):  
Cherri Zhang ◽  
Md. Shafiur Rahman ◽  
Md. Mizanur Rahman ◽  
Alfred E Yawson ◽  
Kenji Shibuya
Keyword(s):  
Health Service ◽  
Universal Health Coverage ◽  
Financial Risk ◽  
National Level ◽  
Bayesian Regression ◽  
Health Coverage ◽  
Financial Risk Protection ◽  
Service Coverage ◽  
Risk Protection ◽  
Universal Health

Ghana has made significant stride towards universal health coverage (UHC) by implementing the National Health Insurance Scheme (NHIS) in 2003. This paper investigates the progress of UHC indicators in Ghana from 1995 to 2030 and makes future predictions up to 2030 to assess the probability of achieving UHC targets. National representative surveys of Ghana were used to assess health service coverage and financial risk protection. The analysis estimated the coverage of 13 prevention and four treatment service indicators at the national level and across wealth quintiles. In addition, this analysis calculated catastrophic health payments and impoverishment to assess financial hardship and used a Bayesian regression model to estimate trends and future projections as well as the probabilities of achieving UHC targets by 2030. Wealth-based inequalities and regional disparities were also assessed. At the national level, 14 out of the 17 health service indicators are projected to reach the target of 80% coverage by 2030. Across wealth quintiles, inequalities were observed amongst most indicators with richer groups obtaining more coverage than their poorer counterparts. Subnational analysis revealed while all regions will achieve the 80% coverage target with high probabilities for prevention services, the same cannot be applied to treatment services. In 2015, the proportion of households that suffered catastrophic health payments and impoverishment at a threshold of 25% non-food expenditure were 1.9% (95%CrI: 0.9-3.5) and 0.4% (95%CrI: 0.2-0.8), respectively. These are projected to reduce to less than 0.5% by 2030. Inequality measures and subnational assessment revealed that catastrophic expenditure experienced by wealth quintiles and regions are not equal. Significant improvements were seen in both health service coverage and financial risk protection as a result of NHIS. However, inequalities across wealth quintiles and at the subnational level continue to be cause of concerns. Further efforts are needed to narrow these inequality gaps.

scholarly journals Ten-year impacts of China’s rural health scheme: lessons for universal health coverage

2021 ◽  
Vol 6 (4) ◽  
pp. e003714
Author(s):  
Yaoguang Zhang ◽  
Di Dong ◽  
Ling Xu ◽  
Zhiwen Miao ◽  
Wenhui Mao ◽  
...  
Keyword(s):  
Universal Health Coverage ◽  
Low Income ◽  
Rural Population ◽  
Financial Risk ◽  
Financial Burden ◽  
Medical Expenditure ◽  
Service Utilisation ◽  
Health Coverage ◽  
Middle Income ◽  
Universal Health

China has made profound progress in advancing universal health coverage (UHC) over the past two decades. New Cooperative Medical Scheme (NCMS) was initiated in 2003 to provide health insurance coverage to rural population. Its benefit packages and cost-sharing mechanism have changed significantly over time. This study aims to assess the impact of changing NCMS policies on NCMS enrollees’ service utilisation, medical financial burden and equity between 2003 and 2013. Data are from China National Health Services Survey (NHSS) which is conducted every 5 years. We used the subsample of NHSS that were enrolled in NCMS in 2003, 2008 and 2013. From 2003 to 2013, we found increased service utilisation and an elimination of inequity in service utilisation with respect to income. Contradicting prior findings of increasing financial burden after the NCMS implementation, we identified significant protective effect of NCMS against financial risks, and a reduction in percentage of households with high medical expenditure in the middle-income and high-income quintiles. The rural residents from the low-income groups have high financial risk, therefore, should be the priority target for future reforms. In pursuit of UHC globally, many countries struggle to provide good coverage to the disadvantaged rural population and balance between the competing priorities of various UHC dimensions. Our trend analysis revealed China’s two-stage approach with NCMS reform that first focused on expanding population coverage, then on service coverage and financial risk protection. This path could potentially be replicated in other middle-income and low-income countries to pave the way for UHC.

scholarly journals The Ethical Framework for Policy-making of Universal Health Coverage: A Systematic Review

2020 ◽  
Author(s):  
Ali Farzaneh ◽  
Hamid Ravaghi ◽  
Abolghasem Fanaei
Keyword(s):  
Systematic Review ◽  
Universal Health Coverage ◽  
Policy Making ◽  
Financial Risk ◽  
Universal Coverage ◽  
Ethical Framework ◽  
Health Coverage ◽  
Ethical Frameworks ◽  
Universal Health

Introduction: Countries have set a central policy to achieve universal health coverage by 2030. Resource constraint and the variety of ways to fulfill the purposes of the universal health coverage, however, have led policymakers to face ethical challenges. An elaboration of ethical frameworks can facilitate the right move in this direction. Aim: This study examines the ethical frameworks used by countries and postulated by studies for policy-making on universal health coverage. Materials and Methods: This systematic review built on the PRISMA guidelines to search the Scopus and PubMed databases for papers published from January 2010 to March 2018. Studies will be considered for inclusion that have focused on the dimensions of policy-making ethics on universal health coverage and referring to the role of ethics in policy-making on health universal coverage. State and organisational reports, book’s chapters, proceedings and editorials were not included.The data were analysed using the thematic analysis method and categorised into two groups according to the data extraction forms. The first was related to articles that were the result of a research study and recommendations from international organisations; the second concerned with articles that reflected the experiences of different countries. The extracted data of both groups were classified into three themes, including the role of ethics in universal health, ethical principles, and ethical criteria. Results: Out of the 685 articles found in the initial search, 24 met the inclusion criteria. Findings indicate that ethics acts as the driving force, guidance for decision-making, provider of public acceptance, and a guarantee for justice administration. The ethical framework contains principles of fairness, justice, equality, maximisation of benefits, solidarity, sustainability, good governance, human rights, financial risk protection measures, efficiency, and cost-effectiveness. Most studies have emphasised the principles of human rights, solidarity, justice and fairness, cost-effectiveness, and financial risk conservation in the policy-making of health universal coverage. Varying cultural and social conditions, the political orientation of countries, and local values underlie the difference in the contents of the moral framework. Conclusion: In their attempts to realise universal health coverage, countries must undertake a selection of principles and criteria for their ethical framework through a research process. Given the emergence of the scientific field of ethics for health policy-making, researchers can review the ethical principles and criteria identified in this study in other areas of health policy-making and determine the generalisability of these principles.

scholarly journals Newborn health benefits or financial risk protection? An ethical analysis of a real-life dilemma in a setting without universal health coverage

2018 ◽  
Vol 44 (8) ◽  
pp. 524-530 ◽  
Author(s):  
Kristine Husøy Onarheim ◽  
Ole Frithjof Norheim ◽  
Ingrid Miljeteig
Keyword(s):  
Universal Health Coverage ◽  
Financial Risk ◽  
Health Workers ◽  
Health Benefits ◽  
Real Life ◽  
Ethical Analysis ◽  
Health Coverage ◽  
Financial Risk Protection ◽  
Risk Protection ◽  
Universal Health

IntroductionHigh healthcare costs make illness precarious for both patients and their families’ economic situation. Despite the recent focus on the interconnection between health and financial risk at the systemic level, the ethical conflict between concerns for potential health benefits and financial risk protection at the household level in a low-income setting is less understood.MethodsUsing a seven-step ethical analysis, we examine a real-life dilemma faced by families and health workers at the micro level in Ethiopia and analyse the acceptability of limiting treatment for an ill newborn to protect against financial risk. We assess available evidence and ethical issues at stake and discuss the dilemma with respect to three priority setting criteria: health maximisation, priority to the worse-off and financial risk protection.ResultsGiving priority to health maximisation and extra priority to the worse-off suggests, in this particular case, that limiting treatment is not acceptable even if the total well-being gain from reduced financial risk is taken into account. Our conclusion depends on the facts of the case and the relative weight assigned to these criteria. However, there are problematic aspects with the premise of this dilemma. The most affected parties—the newborn, family members and health worker—cannot make free choices about whether to limit treatment or not, and we thereby accept deprivations of people’s substantive freedoms.ConclusionIn settings where healthcare is financed largely out-of-pocket, families and health workers face tragic trade-offs. As countries move towards universal health coverage, financial risk protection for high-priority services is necessary to promote fairness, improve health and reduce poverty.

scholarly journals No UHC without medicines: out-of-pocket payments for non-communicable diseases in 18 countries

2019 ◽  
Vol 29 (Supplement_4) ◽  
Author(s):  
A Murphy ◽  
B Palafox ◽  
S Rangarajan ◽  
S Yusuf ◽  
M McKee
Keyword(s):  
Universal Health Coverage ◽  
Financial Risk ◽  
Health Spending ◽  
The Philippines ◽  
World Health ◽  
Director General ◽  
Health Coverage ◽  
Financial Risk Protection ◽  
Risk Protection ◽  
Universal Health

Abstract Background In 2014 the United Nations agreed on a goal to reduce premature mortality from NCDs by improving financial risk protection. We are far from achieving this: households with NCDs are at an increased risk of catastrophic health spending and impoverishment, particularly in lower middle- and low-income countries. There is a need to better understand the drivers of health spending among households with NCDs, to inform interventions aimed at achieving universal health coverage. Methods Using data from the Prospective Urban and Rural Epidemiology Study, we analyse out-of-pocket expenditure (OOP) among households with NCDs (cancer, cardiovascular disease, hypertension, diabetes, respiratory disease or kidney disease) in 18 countries: Canada, Sweden, Brazil, Chile, Malaysia, Poland, South Africa, Turkey, China, the Philippines, Colombia, Iran, the Occupied Palestinian Territory (OPT), Bangladesh, India, Pakistan, Zimbabwe and Tanzania. Results The leading driver of OOP on health care in almost all countries included is medicine. For example, the monthly OOP on medicines among NCD households in Iran, where roughly 18% of NCD households experience catastrophic spending, is USD 13.50, representing 36% of OOP on health. In Brazil this figure is USD 25.85, representing 46% of OOP on health. A large proportion of OOP is also made up by consultation fees, particularly in Sub-Saharan African countries. In Poland, 63% of OOP on health is spent on alternative medicine consultation fees. Conclusions Our findings echo the message shared by the Director General of the World Health Organization in 2018, that there is “no Universal Health Coverage without access to quality medicines”. Medicine costs impose a significant economic burden on NCD households in countries at all levels of development, highlighting the need to include essential medicines for NCDs in universal health coverage benefit packages. Key messages To achieve the goal of improved financial risk protection for NCDs we need to understand drivers of out-of-pocket spending among households with NCDs. Medicines are by far the largest driver of OOP in countries at all levels of development and require urgent attention to ensure universal health coverage.

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