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Registros recuperados: 8
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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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Die neue Rolle von Sozialer Sicherung für ländliche Entwicklung in Entwicklungsländern AgEcon
Jutting, Johannes Paul.
In the 1990ies the ultimate target of social security has been widened: Social security aims at protecting people against life risks and helping them to take advantage of social and economic opportunities. Existing social security systems in rural areas of developing countries are often “second best solutions” and need reforms. Institutional innovations such as micro insurance schemes are a promising way of improving the risk management of rural households. The example of community based health insurance schemes in Senegal shows, that rural households can be successfully integrated into insurance schemes. This allows a better access to health care and is an essential prerequisite for increasing labour productivity. Moreover, it offers in the mid to long...
Tipo: Journal Article Palavras-chave: Social security; Micro insurance schemes; Developing countries; Community/Rural/Urban Development; Health Economics and Policy; International Development.
Ano: 2002 URL: http://purl.umn.edu/98252
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IMPACTS OF COMMUNITY HEALTH INSURANCE SCHEMES ON HEALTH CARE PROVISION IN RURAL TANZANIA AgEcon
Jutting, Johannes Paul; Msuya, John M.; Asfaw, Abay.
In 1996 the Tanzanian government initiated community health insurance schemes to improve the access to health care and to protect people against the financial cost of illness in an environment with shrinking budgets for the health sector. This study aims to evaluate the role of the community health funds (CHF) in lowering the barriers to access health care. Three important results emerge from this study: First, the results show that income is amongst the most important factors determining household participation in the schemes. This means that despite exemption mechanisms, the poorest of the poor within the society are not reached as they can not afford to pay regular insurance premiums. Secondly, though we find no significant differences between members...
Tipo: Working or Discussion Paper Palavras-chave: Health Economics and Policy.
Ano: 2004 URL: http://purl.umn.edu/18722
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MODELING THE IMPACT OF FISCAL DECENTRALIZATION ON HEALTH OUTCOMES: EMPIRICAL EVIDENCE FROM INDIA AgEcon
Asfaw, Abay; Frohberg, Klaus; James, K.S.; Jutting, Johannes Paul.
Over the last two decades, many countries around the world have been enthusiastically embarking on the path of decentralization. Decentralization has been advocated as a powerful means to improve the provision of health care services and health outcomes in developing countries. However, due to a preconceived idea that decentralization will result in efficient allocation of public resources and lack of an analytical framework to systematically analyze its impact on health outcomes, very little empirical works have been done in this area. Scant attention has also been given to analyze factors enabling or constraining its outcomes. In this paper, we develop a theoretical model and use it to test empirically the impact of fiscal decentralization on rural...
Tipo: Working or Discussion Paper Palavras-chave: Health Economics and Policy; Political Economy.
Ano: 2004 URL: http://purl.umn.edu/18731
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Provision of Public Goods in the Transition Process: Empirical Evidence on Access to Health Care in Rural Regions of Russia AgEcon
Lohlein, Daniela; Jutting, Johannes Paul; Wehrheim, Peter.
The objective of the paper is to identify the determinants of access to health care in rural Russia. We started out with the observation that the transition process has affected the provision of social services in the Russian Federation in general, and in rural areas in particular, owing to the overlap with agricultural reforms. Based on this observation we asked how the reduced role of the state and the concomitant decentralization of policy making has affected access of the rural populace to social services. A review of the available literature on this topic resulted in the formulation of the following three hypotheses. Firstly, that income is a determinant of access to health care. Secondly, that informal payments play an important role in determining...
Tipo: Conference Paper or Presentation Palavras-chave: Russia; Transition process; Public goods; Health care; Rural development; Health Economics and Policy.
Ano: 2002 URL: http://purl.umn.edu/24843
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Social Protection in Rural Areas of Developing Countries: Investigating the Impact of Community Based Health Insurance in Rural Senegal AgEcon
Jutting, Johannes Paul.
Community based health insurance schemes are becoming increasingly recognized as an instrument which help farmers in rural areas of low income countries to better manage health. Health risks present a permanent threat to the income earning capacity of poor people. Beside direct economic cost for treatment and lost working time, indirect cost such as a reduction in labor supply materialize which increases the vulnerability of the household. It is often hypothezised that community based health insurance improve social protection, but quantitative analysis is largely missing. Against this background, this paper analyzes if members in a mutual health insurance scheme have a better access to health care than non-members taking "les mutuelles de santes" (mutual...
Tipo: Conference Paper or Presentation Palavras-chave: Community based health insurance; Impact analysis; Social protection; Senegal; Health Economics and Policy.
Ano: 2002 URL: http://purl.umn.edu/24803
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THE IMPACT OF HEALTH INSURANCE ON THE ACCESS TO HEALTH CARE AND FINANCIAL PROTECTION IN RURAL AREAS OF DEVELOPING COUNTRIES: CASE STUDY SENEGAL AgEcon
Jutting, Johannes Paul.
Access to public and private health insurance in rural areas of low income countries is severely constrained by high unit cost of transaction per contract due to information asymmetries between insurance sellers and buyers. This leads to a situation in which the majority of the poor have to rely on out-of-pocket expenditures when they are ill, resulting in a high vulnerability for health shocks which negatively affect the overall risk management of the household, investment and resource allocation decisions. Recently, however, in various parts of the world community based health insurance schemes have emerged and are becoming increasingly recognized as an instrument to finance health care in poor developing countries. These mutual insurance schemes often...
Tipo: Conference Paper or Presentation Palavras-chave: Rural development; Health insurance; Impact analysis; Social protection; Senegal; Health Economics and Policy; O17; I19; O55.
Ano: 2002 URL: http://purl.umn.edu/19641
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