Do Spouses Make Claims? Health Seeking and Microfinance In India
19 Pages Posted: 25 Jun 2009
Date Written: March 31, 2009
We study a micro-finance program that provides compulsory health insurance to its borrowers and their spouses. We find that the non-borrowing spouses are less likely to file insurance claims than those who are borrowing. Further, a man is more likely to use the health insurance acquired through his wife's loan than is a woman (through her husband's loan). These patterns suggest that women who do not borrow are disempowered relative to those that do.
Keywords: microfinance, health insurance, empowerment
JEL Classification: D12, G22, I11, J16
Suggested Citation: Suggested Citation