IDEAS home Printed from https://ideas.repec.org/a/ibn/gjhsjl/v10y2018i12p144.html
   My bibliography  Save this article

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

Author

Listed:
  • 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
    as

    Download full text from publisher

    File URL: http://www.ccsenet.org/journal/index.php/gjhs/article/download/0/0/37641/38309
    Download Restriction: no
    File URL: http://www.ccsenet.org/journal/index.php/gjhs/article/view/0/37641
    Download Restriction: no
    ---><---

    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.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. 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.
    2. Abdullah Al Mamun & Muhammad Khalilur Rahman & Uma Thevi Munikrishnan & P. Yukthamarani Permarupan, 2021. "Predicting the Intention and Purchase of Health Insurance Among Malaysian Working Adults," SAGE Open, , vol. 11(4), pages 21582440211, November.
    3. Thiptaiya Sydavong & Daisaku Goto & Keisuke Kawata & Shinji Kaneko & Masaru Ichihashi, 2019. "Potential demand for voluntary community-based health insurance improvement in rural Lao People’s Democratic Republic: A randomized conjoint experiment," PLOS ONE, Public Library of Science, vol. 14(1), pages 1-21, January.
    4. Qun Wang & Yi Zhou & Xinrui Ding & Xiaohua Ying, 2017. "Demand for Long-Term Care Insurance in China," IJERPH, MDPI, vol. 15(1), pages 1-15, December.
    5. Monica Ewomazino Akokuwebe & Erhabor Sunday Idemudia, 2022. "A Comparative Cross-Sectional Study of the Prevalence and Determinants of Health Insurance Coverage in Nigeria and South Africa: A Multi-Country Analysis of Demographic Health Surveys," IJERPH, MDPI, vol. 19(3), pages 1-26, February.
    6. Rabbani, Atonu & Mehareen, Jeenat & Chowdhury, Imran Ahmed & Sarker, Malabika, 2022. "Mandatory employer-sponsored health financing scheme for semiformal workers in Bangladesh: An experimental assessment," Social Science & Medicine, Elsevier, vol. 292(C).
    7. Meseret Belete Fite & Kedir Teji Roba & Bedasa Taye Merga & Belay Negash Tefera & Gemechu Ayela Beha & Temesgen Tafesse Gurmessa, 2021. "Factors associated with enrollment for community-based health insurance scheme in Western Ethiopia: Case-control study," PLOS ONE, Public Library of Science, vol. 16(6), pages 1-10, June.
    8. 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..
    9. David Mark Dror, 2018. "What Factors Affect Voluntary Uptake of Community-based Health Insurance Schemes in Lowand Middle-Income Countries? A Systematic Review and Meta-Analysis," World Scientific Book Chapters, in: Financing Micro Health Insurance Theory, Methods and Evidence, chapter 14, pages 271-306, World Scientific Publishing Co. Pte. Ltd..
    10. Lazarus MUCHABAIWA & Lloyd CHIGUSIWA & Samuel BINDU & Victoria MUDAVANHU & David DAMIYANO & Bongani Edwin MUSHANYURI, 2017. "Feasibility and Sustainability of Community Based Health Insurance in Rural Areas Case Study of Musana, Zimbabwe," Expert Journal of Finance, Sprint Investify, vol. 5, pages 73-85.
    11. Robert Kolesar & Sambo Pheakdey & Bart Jacobs & Narith Chan & Samedy Yok & Martine Audibert, 2019. "Expanding Social Health Protection in Cambodia: An assessment of the current coverage potential and gaps, and social equity considerations," Working Papers halshs-02018867, HAL.
    12. Yewande Kofoworola Ogundeji & Babatunde Akomolafe & Kelechi Ohiri & Nuhu Natie Butawa, 2019. "Factors influencing willingness and ability to pay for social health insurance in Nigeria," PLOS ONE, Public Library of Science, vol. 14(8), pages 1-10, August.
    13. David M. Dror & Atanu Majumdar & Nihar Jangle, 2019. "Estimating capital requirements to scale health microinsurance serving rural poor populations," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 44(3), pages 410-444, July.
    14. Mubarak Aldosari & Yusnidah Ibrahim & Norlida Binti Abdul Manab & Ebrahim Mohammed Al-Matari & Ebrahim Mohammed Al-Matari & Eqab Aiyadh Alotaibi, 2016. "Linking Cooperative Health Insurance Service Characteristics to Expatriates’ Satisfaction: Mediating Role of Customer Knowledge," International Review of Management and Marketing, Econjournals, vol. 6(4), pages 1013-1019.
    15. Jofre-Bonet, Mireia & Kamara, Joseph, 2018. "Willingness to pay for health insurance in the informal sector of Sierra Leone," LSE Research Online Documents on Economics 89836, London School of Economics and Political Science, LSE Library.
    16. Mubarak Aldosari & Yusnidah Ibrahim & Norlida Binti Abdul Manab & Ebrahim Mohammed Al-Matari & Ebrahim Mohammed Al-Matari & Eqab Aiyadh Alotaibi, 2016. "Linking Cooperative Health Insurance Service Characteristics to Expatriates’ Satisfaction: Mediating Role of Customer Knowledge," International Review of Management and Marketing, Econjournals, vol. 6(4), pages 1013-1019.
    17. Gabriella Conti & Rita Ginja, Renata Narita, 2017. "Non-Contributory Health Insurance and Household Labor Supply: Evidence from Mexico," Working Papers, Department of Economics 2017_17, University of São Paulo (FEA-USP).
    18. Levi Ng’ang’a Mbugua & John Odhiambo Magambo, 2022. "Repositioning Health Microinsurance Products for the Informal Sector Groups," Businesses, MDPI, vol. 3(1), pages 1-17, December.
    19. Mireia Jofre-Bonet & Joseph Kamara, 2018. "Willingness to pay for health insurance in the informal sector of Sierra Leone," PLOS ONE, Public Library of Science, vol. 13(5), pages 1-18, May.
    20. Gwokorok, Lado, 2019. "Expectations of Social Capital and Willingness to Pay for Social Health Insurance among the Bari Speakers of Central Equatoria State, South Sudan," MPRA Paper 112401, University Library of Munich, Germany, revised 2021.

    More about this item

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ibn:gjhsjl:v:10:y:2018:i:12:p:144. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Canadian Center of Science and Education (email available below). General contact details of provider: https://edirc.repec.org/data/cepflch.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.