Enrollment in Community Based Health Insurance Schemes in Rural Bihar and Uttar Pradesh, India

International Institute of Social Studies, Erasmus University Rotterdam; Working Paper No. 555, ISSN 0921-0210

36 Pages Posted: 8 Apr 2013

See all articles by Pradeep Panda

Pradeep Panda

International Institute of Health Management Research

Arpita Chakraborty

Oxford Policy Management India Pvt. Ltd

David M. Dror

Micro Insurance Academy (MIA)

Arjun S. Bedi

Erasmus University Rotterdam - International Institute of Social Studies; IZA Institute of Labor Economics

Date Written: March 1, 2013

Abstract

This paper assesses insurance uptake in three community based health insurance (CBHI) schemes located in rural parts of two of India’s poorest states and offered through women’s self-help groups (SHGs). We examine what drives uptake, the degree of inclusive practices of the schemes, and the influence of health status on enrollment. The most important finding is that a household’s socio-economic status does not appear to substantially inhibit uptake. In some cases Scheduled Caste/Scheduled Tribe (SC/ST) households are more likely to enroll. Second, households with greater financial liabilities find insurance more attractive. Third, access to the national hospital insurance scheme (RSBY) does not dampen CBHI uptake, suggesting that the potential for greater development of insurance markets and products beyond existing ones would respond to a need. Fourth, recent episodes of illness and self-assessed health status do not influence uptake. Fifth, insurance coverage is prioritized within households, with the household head, the spouse of the household head and both male and female children of the household head, more likely to be insured as compared to other relatives. Sixth, offering insurance through women’s SHGs appears to mitigate concerns about the inclusiveness and sustainability of CBHI schemes. Given the pan-Indian spread of SHGs, offering insurance through such groups offers the potential to scale-up CBHI.

Keywords: Community-based health insurance, health microinsurance, enrollment, rural India, self-help groups, Bihar, Uttar Pradesh

Suggested Citation

Panda, Pradeep Kumar and Chakraborty, Arpita and Dror, David M. and Bedi, Arjun S., Enrollment in Community Based Health Insurance Schemes in Rural Bihar and Uttar Pradesh, India (March 1, 2013). International Institute of Social Studies, Erasmus University Rotterdam; Working Paper No. 555, ISSN 0921-0210, Available at SSRN: https://ssrn.com/abstract=2246260 or http://dx.doi.org/10.2139/ssrn.2246260

Pradeep Kumar Panda (Contact Author)

International Institute of Health Management Research ( email )

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Arpita Chakraborty

Oxford Policy Management India Pvt. Ltd ( email )

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David M. Dror

Micro Insurance Academy (MIA) ( email )

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Arjun S. Bedi

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