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The role of health insurance to reduce the extent of financial risk in hospitalization in India

Mohit Pandey, International Institute For Population Sciences
R. Nagrajan, international Institute for Population Sciences

Universal health coverage (UHC) has become an important health goal for several countries. In India, the primary source of health care financing is out-of-pocket. These expenditures vary with the disease, hospitalization time, health care provider choice, and health insurance. This study aims to analyze OOPE, CHE by disease, time of hospitalization, health care provider, and examine the role of health insurance. This study used unit-level data NSSO 75th round social and consumption in India (health data). This study used Linear regression, Propensity Score Matching, and Logistic regression to analyze the impact of health insurance and the level of financial risk in different socio-economic groups. The highest average spending for Cancer (? 56757), heart disease (? 46144), and Musculoskeletal (? 35798) in hospitalization, and the CHE is highest in Cancer(57.5), Ganito-Urinary(54.6), and Heart disease(52.1). Health insurance does not affect choosing the type of health care provider. The linear regression shows that the insured population have to spend less OOPE compared to non insured group. With the increasing duration of hospitalization, the OOPE and CHE are increasing. Those who have health insurance would be 8.5 percent less likely to fall into the CHE group.

Keywords: Health and morbidity, Policy evaluation, Inequality, Policy

See paper.

  Presented in Session P2.