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ARE THE POOR TOO POOR TO DEMAND HEALTH INSURANCE? AgEcon
Ahuja, Rajeev; Jutting, Johannes Paul.
Community based micro insurance has aroused much interest and hope in meeting health care challenges facing the poor. In this paper we explore how institutional rigidities such as credit constraints impinge on demand for health insurance and how insurance could potentially prevent poor households from falling into poverty trap. In this setting, we argue that the appropriate public intervention in generating demand for insurance is not to subsidise premium but to remove these rigidities (easing credit constraint in the present context). Thus from insurance perspective as well, our analysis highlights the importance of having appropriate savings and borrowing instruments for the poor.
Tipo: Conference Paper or Presentation Palavras-chave: Micro-insurance; Micro-credit; Credit constraint; Demand for insurance.; Food Security and Poverty; Health Economics and Policy.
Ano: 2003 URL: http://purl.umn.edu/25821
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DESIGN OF INCENTIVES IN COMMUNITY BASED HEALTH INSURANCE SCHEMES AgEcon
Ahuja, Rajeev; Jutting, Johannes Paul.
Community based health insurance is an emerging and promising concept that has attracted the attention of policy makers as it addresses health care challenges faced by the poor. This paper discusses solutions to important incentive problems in micro-health insurance schemes which threaten their sustainability. In particular, three issues are explored: (i) if defining household as unit of insurance always mitigates adverse selection problem; (ii) how ex ante moral hazard problem can be circumvented through group insurance contract; and (iii) how to set incentives for scheme managers. Various public policies are discussed that help to set appropriate incentives to better manage health insurance schemes in low-income country environments.
Tipo: Working or Discussion Paper Palavras-chave: Health Economics and Policy; Risk and Uncertainty.
Ano: 2003 URL: http://purl.umn.edu/18744
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