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Willingness to Pay for Family Health Insurance: Evidence from Baglung and Kailali Districts of Nepal

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  • Devaraj Acharya
  • Bhimsen Devkota
  • Ramesh Adhikari

Abstract

INTRODUCTION- The Government of Nepal introduced a health insurance programme in three districts in 2016. However, it seems that there has not been systematic evidence on whether the current contribution amount (CCA) needed for enrolling in health insurance (HI), is acceptable for those who are willing to enroll. This article aims to assess the respondents' willingness to pay (WTP) for HI. METHODS- A cross-sectional study was conducted with 810 randomly selected households in Baglung and Kailali districts and the data was collected using a validated schedule. The socio-demographic characteristics were considered as independent and the WTP as dependent variables respectively. Univariate, bivariate and multivariate analyses were performed. RESULTS- Of the total respondents, 74 percent expressed that they could pay nearly three times as much as the CCA. Mean differences in WTP for HI were observed in terms of districts (p<0.001), sex of the respondents (p<0.01), household headship (p<0.05), mother tongue (p<0.001), wealth status (p<0.001), presence of chronic diseases in the family (p<0.05), enrollment in HI(p<0.01), exposure to the radio/FM (p<0.05) and TV (p<0.01), and access to health facilities (p<0.01). The lieklyhood of WTP for HI were lower in Kailali than in Baglung (β= –0.178, p<0.001); with females than with males (β= –0.076, p<0.05); and with the age group ≤37 years than > 37 years (β= –0.090, p<0.05). CONCLUSION- The WTP for HI was nearly three times as high as the CCA for all health services if available to them. More than one fourth of the respondents did not know about HI. Therefore, appropriate interventions are needed for awareness raising which may support the WTP as well as enrollment in HI.

Suggested Citation

  • Devaraj Acharya & Bhimsen Devkota & Ramesh Adhikari, 2018. "Willingness to Pay for Family Health Insurance: Evidence from Baglung and Kailali Districts of Nepal," Global Journal of Health Science, Canadian Center of Science and Education, vol. 10(12), pages 144-144, December.
    • Handle: RePEc:ibn:gjhsjl:v:10:y:2018:i:12:p:144
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    References listed on IDEAS

    as
    1. David Mark Dror, 2018. "Systematic Review of Willingness to Pay for Health Insurance in Low and Middle Income Countries," World Scientific Book Chapters, in: Financing Micro Health Insurance Theory, Methods and Evidence, chapter 8, pages 151-168, World Scientific Publishing Co. Pte. Ltd..
    2. Sayem Ahmed & Mohammad Enamul Hoque & Abdur Razzaque Sarker & Marufa Sultana & Ziaul Islam & Rukhsana Gazi & Jahangir A M Khan, 2016. "Willingness-to-Pay for Community-Based Health Insurance among Informal Workers in Urban Bangladesh," PLOS ONE, Public Library of Science, vol. 11(2), pages 1-16, February.
    3. Yasuharu Shimamura & Midori Matsushima & Hiroyuki Yamada & Minh Tam Nguyen, 2018. "Willingness-to-Pay for Family-Based Health Insurance: Findings From Household And Health Facility Surveys in Central Vietnam," Global Journal of Health Science, Canadian Center of Science and Education, vol. 10(7), pages 1-24, July.
    4. Shafie, A.A. & Hassali, M.A., 2013. "Willingness to pay for voluntary community-based health insurance: Findings from an exploratory study in the state of Penang, Malaysia," Social Science & Medicine, Elsevier, vol. 96(C), pages 272-276.
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    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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