Building Awareness to Health Insurance Among the Target Population of Community-Based Health Insurance Schemes in Rural India

Tropical Medicine and International Health, Volume 20, No 8 pp 1093-1107, August 2015, doi:10.1111/tmi.12524

15 Pages Posted: 25 Jul 2015

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)

Date Written: July 24, 2015

Abstract

Objective: To evaluate an insurance awareness campaign carried out before the launch of three community-based health insurance (CBHI) schemes in rural India, answering the questions: Has the awareness campaign been successful in enhancing participants’ understanding of health insurance? What awareness tools were most useful from the participants’ point of view? Has enhanced awareness resulted in higher enrolment? methods Data for this analysis originates from a baseline survey (2010) and a follow-up survey (2011) of more than 800 households in the pre- and post-campaign periods. We used the difference in-differences method to evaluate the impact of awareness activities on insurance understanding.

Assessment of usefulness of various tools was carried out based on respondents’ replies regarding the tool(s) they enjoyed and found most useful. An ordinary least square regression analysis was conducted to understand whether insurance knowledge and CBHI understanding are related with enrolment in CBHI.

Results: The intervention cohort demonstrated substantially higher understanding of insurance concepts than the control group, and CBHI understanding was a positive determinant for enrolment. Respondents considered the ‘Treasure-Pot’ tool (an interactive game) as most useful in enhancing awareness to the effects of insurance.

Conclusions: We conclude that awareness-raising is an important prerequisite for voluntary uptake of CBHI schemes and that interactive, contextualised awareness tools are useful in enhancing insurance understanding.

Keywords: community-based health insurance, insurance education, health microinsurance, awareness campaign, rural India

Suggested Citation

Panda, Pradeep Kumar and Chakraborty, Arpita and Dror, David M., Building Awareness to Health Insurance Among the Target Population of Community-Based Health Insurance Schemes in Rural India (July 24, 2015). Tropical Medicine and International Health, Volume 20, No 8 pp 1093-1107, August 2015, doi:10.1111/tmi.12524, Available at SSRN: https://ssrn.com/abstract=2635364

Pradeep Kumar Panda

International Institute of Health Management Research ( email )

Plot No. 3, Sector – 18A
Dwarka, New Delhi 110075
India

Arpita Chakraborty

Oxford Policy Management India Pvt. Ltd ( email )

4/6, 1st Floor,
Siri Fort Institutional Area
New Delhi, ID Delhi 110019
India

David M. Dror (Contact Author)

Micro Insurance Academy (MIA) ( email )

New Delhi, NCR
India
+41 78 790 6789 (Phone)

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