Analysis of the Impact of Rural Households Membership in the Micro Health Insurance on the Utilization of Health Services in Tanzania

2014 ◽  
Vol 1 (2) ◽  
Author(s):  
Arnold Kihaule
2014 ◽  
Vol 1 (1) ◽  
pp. 96-103 ◽  
Author(s):  
S. Savitha

Background:Lack of sustainable and affordable health financing mechanisms in India has exposed the poor ininformal sector to iatrogenic poverty. Hardship financing of health services has negative financial consequences on thefuture income of these households. This can be mitigated through micro health insurance (MHI) because it aims to removefinancial barriers to access and utilize health services.Objectives:Recognizing the dearth of studies on impact of MHI schemes in India, we carried out an in-depth study onSampoorna Suraksha Programme (SSP) in Karnataka to assess the effect on access and utilization of healthcare services.Methods:We designed a descriptive cross sectional household survey that collected data from 1146 households toevaluate the impact using logistic regression analysis.Results:Insured individuals were more likely to access and utilize inpatient services compared to uninsured individuals.Moral hazard measured as length of stay in the hospital was absent. Horizontal equity in utilization based on gender andincome was observed. Insured used private providers than public hospitals or self-medicine. The results of the studysupport the positive impact of MHI on access and utilization of health services.Conclusion:The findings of the study enhance our understanding of the positive role of MHI in the promotion of betterhealth behavior of the poor people who usually forego treatment during illness. This would reinforce policymakers toadvocate MHI to mitigate iatrogenic poverty in India, the land of villages.


2014 ◽  
Vol 9 (4) ◽  
pp. 359-382 ◽  
Author(s):  
G. Emmanuel Guindon

AbstractIn recent years, a number of low- and middle-income country governments have introduced health insurance schemes. Yet not a great deal is known about the impact of such policy shifts. Vietnam’s recent health insurance experience including a health insurance scheme for the poor in 2003 and a compulsory scheme that provides health insurance to all children under six years of age combined with Vietnam’s commitment to universal coverage calls for research that examines the impact of health insurance. Taking advantage of Vietnam’s unique policy environment, data from the 2002, 2004 and 2006 waves of the Vietnam Household Living Standard Survey and single-difference and difference-in-differences approaches are used to assess whether access to health insurance – for the poor, for children and for students – impacts on health services utilization and health outcomes in Vietnam. For the poor and for students, results suggest health insurance increased the use of inpatient services but not of outpatient services or health outcomes. For young children, results suggest health insurance increased the use of outpatient services (including the use of preventive health services such as vaccination and check-up) but not of inpatient services.


2019 ◽  
Vol 19 (1) ◽  
Author(s):  
Huan Liu ◽  
Hong Zhu ◽  
Jiahui Wang ◽  
Xinye Qi ◽  
Miaomiao Zhao ◽  
...  

Abstract Background By 2013, several regions in China had introduced health insurance integration policies. However, few studies addressed the impact of medical insurance integration in China. This study investigates the catastrophic health expenditure and equity in the incidence of catastrophic health expenditure by addressing its potential determinants in both integrated and non-integrated areas in China in 2013. Methods The primary data are drawn from the fifth China National Health Services Survey in 2013. The final sample comprises 19,788 households (38.4%) from integrated areas and 31,797 households (61.6%) from non-integrated areas. A probit model is employed to decompose inequality in the incidence of catastrophic health expenditure in line with the methodology used for decomposing the concentration index. Results The incidence of catastrophic health expenditure in integrated areas is higher than in non-integrated areas (13.87% vs. 13.68%, respectively). The concentration index in integrated areas and non-integrated areas is − 0.071 and − 0.073, respectively. Average household out-of-pocket health expenditure and average capacity to pay in integrated areas are higher than those in non-integrated areas. However, households in integrated areas have lower share of out-of-pocket expenditures in the capacity to pay than households in non-integrated areas. The majority of the observed inequalities in catastrophic health expenditure can be explained by differences in the health insurance and householders’ educational attainment both in integrated areas and non-integrated areas. Conclusions The medical insurance integration system in China is still at the exploratory stage; hence, its effects are of limited significance, even though the positive impact of this system on low-income residents is confirmed. Moreover, catastrophic health expenditure is associated with pro-poor inequality. Medical insurance, urban-rural disparities, the elderly population, and use of health services significantly affect the equity of catastrophic health expenditure incidence and are key issues in the implementation of future insurance integration policies.


2019 ◽  
Vol 8 ◽  
pp. 1411
Author(s):  
Elham Shami ◽  
Jafar Sadegh Tabrizi ◽  
Shirin Nosratnejad

Insurance organizations are among the most influential organizations in the health system, which can lead to healthcare efficiency and patient satisfaction in case they are increasingly accessed. The main purpose of the present systematic review was to examine the effect of health insurance on the utilization of health services and also to examine the factors affecting it. The present study was a systematic review that aimed to examine the effect of health insurance on the utilization of health care services. The study was conducted in 2016 using Scopus, PubMed, Web of Science, Science Direct, and ProQuest databases. We examined the utilization rate of health insurance in insured people. The inclusion and exclusion criteria were included based on review and meta-analysis purposes. The utilization of health services increased for inpatient and outpatient services. The utilization rate of inpatient services increased by 0.51% whereas the utilization rate of outpatient services increased by 1.26%. We classified the variables affecting the utilization rate of insurance into three main categories and sub-categories: demographic variables of the household, socioeconomic status, and health status. Our study showed that insured people increased the utilization rate of health services, depending on the type of health services. Thus, health policymakers should consider the community’s health insurance as a priority for health programs. For now, implementing universal health insurance is a good solution. [GMJ.2019;8:e1411]


2018 ◽  
Vol 10 (6) ◽  
pp. 199
Author(s):  
Hilal Al Shamsi ◽  
Abdullah Ghthaith Almutairi ◽  
Sulaiman Salim Al Mashrafi

INTRODUCTION: Researchers and health specialists generally collect data and information about chronic diseases from self-reports. However, the accuracy of self-reports has been questioned as they depend on the respondents' ability to recall information and their understanding of pathological conditions. Therefore, an objective diagnosis is usually regarded as a more accurate indication of the presence of diseases.OBJECTIVE: A scoping review will examine the extent of the disagreement between self- reports and objective measures, focusing on the implications of this disagreement in terms of indicators of physical and emotional health as well provision and planning of health services.METHOD: There are few publications on the impact of disagreements between self-reporting and objective measures. In this case, a scoping review was chosen as an efficient tool to explore the issue, due to the limited amount of available evidence. This review was conducted in two major research databases: Scopus and Medline databases. The criteria of the study included all genders, age groups, and geographic areas. The source of information for the scoping review included existing literature such as guidelines, letters, meta-analyses, systematic reviews, and primary research studies.RESULT: In the 12 studies, the total participants were 155,939 and each study’s sample size ranged from 77 to 118,553. Four out of twelve studies showed a significant difference between self-reported ailments and objective diagnosis for (kappa=0.17 to 0.3), whereas the agreement was moderate for the utilization of health services and quality of ambulatory care (kappa=0.43 to 0.5), however, the agreement on whether counselling and referrals were needed was low (kappa= 0.3, 95% CI [0.3-0.3]). The disagreements between self-report and objective measures had implications regarding prevalence of diseases (20% less by self-reported) or risk factors (such as physical activity [PA]), costs of treatments (15 EUR high by reports), risk factors such as car accidents for elderly (useful field of view in elderly drivers was a risk over four times larger than obtained from self-reported [OR= 13.7 vs OR=3.4]), and utilization of health services (34.1% higher by reported).CONCLUSION: In most health domains, we found there was low to moderate disagreement between self-reporting and objective measures for diagnosing illnesses and utilization of health services.  The prevalence of disease was lower when self-reported, while the utilization of health services and cost of health services were higher when self-reported than when objectively measured. This disagreement has implications regarding the increasing the cost of health services and provides a misleading basis for health planning.


Sign in / Sign up

Export Citation Format

Share Document