Utilization of Comprehensive Health Insurance Scheme, Kerala: A Comparative Study of Insured and Uninsured Below-Poverty-Line Households

Asia-Pacific Journal of Public Health
Neena Elezebeth PhilipSankara P Sarma

Abstract

We aimed to compare the sociodemographics, health care utilization pattern, and out-of-pocket (OOP) expenses of 149 insured and 147 uninsured below-poverty-line households insured under the Comprehensive Health Insurance Scheme, Kerala, through a comparative cross-sectional study. Family size more than 4 (odds ratio [OR] = 2.34; 95% confidence interval [CI] = 1.13-4.82), family member with chronic disease (OR = 2.05; 95% CI = 1.18-3.57), high socioeconomic status (OR = 2.95; 95% CI = 1.74-5.03), and an employed household head (OR = 2.69; 95% CI = 1.44-5.02) were significantly associated with insured households. Insured households had higher inpatient service utilization (OR = 1.57; 95% CI = 1.05-2.34). Only 40% of inpatient service utilization among the insured was covered by insurance. The mean OOP expenses for inpatient services among insured (INR 448.95) was higher than among uninsured households (INR 159.93); P = .003. These findings show that urgent attention of the government is required to redesign and closely monitor the scheme.

References

Sep 14, 2004·Health Economics·Matthew JowettPeter Martinsson
Nov 26, 2008·Bulletin of the World Health Organization·Guy CarrinDavid B Evans
Oct 11, 2011·Asia-Pacific Journal of Public Health·Soonman Kwon
Jul 17, 2013·Asia-Pacific Journal of Public Health·Vivian Chia-Rong HsiehTung-Liang Chiang

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Citations

Jan 11, 2017·Asia-Pacific Journal of Public Health·Young-Eun JangNam-Hee Kim
Jan 23, 2016·Asia-Pacific Journal of Public Health·Brian OldenburgAllison Byrnes
Aug 30, 2019·International Journal for Equity in Health·Suzanne G M van HeesErnst J A M Spaan
Oct 25, 2017·Frontiers in Public Health·Chhabi Lal RanabhatMyung Bae Park
Nov 20, 2020·Journal of Family Medicine and Primary Care·Ravindran HarishMathew J Valamparampil
Aug 18, 2021·Health Systems and Reform·Julia WatsonLauren Hartel

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Software Mentioned

Statistical Package for Social Sciences

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