Education and Experience as Determinants of Micro Health Insurance Enrolment
Publish Year: 1400
نوع سند: مقاله ژورنالی
زبان: English
View: 11
This Paper With 9 Page And PDF Format Ready To Download
- Certificate
- من نویسنده این مقاله هستم
استخراج به نرم افزارهای پژوهشی:
شناسه ملی سند علمی:
JR_HPM-10-4_003
تاریخ نمایه سازی: 18 مرداد 1403
Abstract:
Background India faces a formidable challenge of providing universal health coverage to its uninsured population in the informal sector of the economy. Numerous micro health insurance (MHI) schemes have emerged as health financing mechanisms to reduce medical-illness-induced poverty. Existing research shows that the purchase of health insurance is most likely to be determined by health status, expected healthcare expenditure, and past health experiences in addition to socio-economic variables. We add to the understanding of various factors influencing enrolment in MHI from an Indian perspective. Methods A survey was carried out to collect quantitative data in three districts in the state of Karnataka, India. Results We show that education does not matter as significantly as experience does, in the determination of new insurance purchases. In other words, the importance of new insurance is not understood by those who are merely educated, but by those who have either fallen ill, or have previously seen the hazards of usurious borrowing. Conclusion Our study provides deeper insights into the role of usurious borrowing and past illness in determining insurance purchases and highlights the formidable challenge of financial sustainability in the MHI market of India.
Keywords:
Authors
Basri Savitha
Manipal Institute of Management, Centre for Advanced Research in Financial Inclusion, Manipal Academy of Higher Education, Manipal, Karnataka, India
Subrato Banerjee
University of Melbourne (Australia India Institute), Melbourne, VIC, Australia
مراجع و منابع این Paper:
لیست زیر مراجع و منابع استفاده شده در این Paper را نمایش می دهد. این مراجع به صورت کاملا ماشینی و بر اساس هوش مصنوعی استخراج شده اند و لذا ممکن است دارای اشکالاتی باشند که به مرور زمان دقت استخراج این محتوا افزایش می یابد. مراجعی که مقالات مربوط به آنها در سیویلیکا نمایه شده و پیدا شده اند، به خود Paper لینک شده اند :