Is it All About Money? A Randomized Evaluation of the Impact of Insurance Literacy and Marketing Treatments on the Demand for Health Microinsurance in Senegal

24 Pages Posted: 25 Jan 2012

See all articles by Jacopo Bonan

Jacopo Bonan

Polytechnic University of Milan - Politecnico di Milano, Department of Management, Economics and Industrial Engineering, Students; RFF-CMCC European Institute on Economics and the Environment

Olivier Dagnelie

Spanish Council for Scientific Research (CSIC) - Insitute for Economic Analysis

Philippe LeMay-Boucher

Heriot-Watt University

Michel Tenikue

Luxembourg Institute of Socio-Economic Research (LISER)

Date Written: December 11, 2011

Abstract

In Senegal mutual health organizations (MHOs) have been present in the greater region of Thiès for years. Despite their benefits, in some areas there remain low take-up rates. We offer an insurance literacy module, communicating the benefits from health microinsurance and the functioning of MHOs, to a randomly selected sample of households in the city of Thiès. The effects of this training, and three cross-cutting marketing treatments, are evaluated using a randomized control trial. We find that the insurance literacy module has no impact, but that our marketing treatment has a significant effect on the take up decisions of households.

Keywords: Community based health insurance scheme, Randomized control trials, Africa, Senegal

JEL Classification: C93, I13, O17

Suggested Citation

Bonan, Jacopo and Dagnelie, Olivier and LeMay-Boucher, Philippe and Tenikue, Michel, Is it All About Money? A Randomized Evaluation of the Impact of Insurance Literacy and Marketing Treatments on the Demand for Health Microinsurance in Senegal (December 11, 2011). CISEPS Research Paper No. 1/2012, Available at SSRN: https://ssrn.com/abstract=1990203 or http://dx.doi.org/10.2139/ssrn.1990203

Jacopo Bonan (Contact Author)

Polytechnic University of Milan - Politecnico di Milano, Department of Management, Economics and Industrial Engineering, Students ( email )

Via Lambruschini 4C - building 26/A
Milano, 20156
United States

RFF-CMCC European Institute on Economics and the Environment ( email )

c/o BASE
Via Bergognone 34
Milan, 20144
Italy

Olivier Dagnelie

Spanish Council for Scientific Research (CSIC) - Insitute for Economic Analysis ( email )

Campus de la UAB
Bellaterra, Barcelona 08193
Spain

Philippe LeMay-Boucher

Heriot-Watt University ( email )

Riccarton
Edinburgh EH14 4AS, Scotland EH14 1AS
United Kingdom

Michel Tenikue

Luxembourg Institute of Socio-Economic Research (LISER)

11, Porte des Sciences
Campus Belval – Maison des Sciences Humaines
Esch-sur-Alzette, L-4366
Luxembourg

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