Determinants of households' willingness to pay for health insurance in Burkina Faso.

IF 2.7 3区经济学 Q1 ECONOMICS

Health Economics Review Pub Date : 2024-11-15 DOI:10.1186/s13561-024-00576-6

Guiro Jeudi Topan, Noël Thiombiano, Issa Sarambe

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Abstract

Background: The operationalization of universal health insurance in Burkina Faso represents a significant challenge for health coverage. The willingness of households to pay is a crucial aspect of the process. This highlights the necessity of examining the factors that may explain their willingness to pay. The objective of this study is to analyze the determinants of households' willingness to pay for health insurance in Burkina Faso.

Methods: The data used in this study were collected between March and September 2017 in the territory of Burkina Faso, covering six administrative regions. A total of 211 households were surveyed, 71 in urban areas and 140 in rural areas. The Tobit model was employed to analyze the determinants of willingness to pay, with the contingent valuation method used to obtain willingness to pay.

Results: The results of the descriptive analysis indicate that households are willing to pay approximately 7,600 F CFA on average for health insurance. The estimation results demonstrate that income has a positive effect on households' willingness to pay. Additionally, the occupation of the head of household and the insurance reimbursement rate are identified as determinants of willingness to pay.

Conclusion: The findings of this study indicate that income, the rate of repayment and the occupation of the head of household are the primary determinants of willingness to pay. In terms of implications, it is essential to ensure that the rate of protection is high, which could encourage households to pay the premium. Furthermore, the results of the evaluation suggest that interventions to increase household income may be beneficial.

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布基纳法索家庭支付医疗保险意愿的决定因素。

背景：在布基纳法索实施全民医疗保险是医疗保险的一项重大挑战。家庭的支付意愿是这一过程的关键因素。这就凸显了研究解释家庭支付意愿的因素的必要性。本研究旨在分析布基纳法索家庭医疗保险支付意愿的决定因素：本研究使用的数据于 2017 年 3 月至 9 月期间在布基纳法索境内收集，涵盖六个行政区。共调查了 211 个家庭，其中 71 个在城市地区，140 个在农村地区。采用 Tobit 模型分析支付意愿的决定因素，并使用或然估价法获得支付意愿：描述性分析结果表明，家庭平均愿意为医疗保险支付约 7 600 非洲金融共同体法郎。估算结果表明，收入对家庭的支付意愿有积极影响。此外，户主的职业和保险报销比例也是支付意愿的决定因素：本研究的结果表明，收入、偿还率和户主的职业是决定支付意愿的主要因素。就影响而言，必须确保高保障率，这可以鼓励家庭支付保费。此外，评估结果表明，增加家庭收入的干预措施可能是有益的。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Health Economics Review Multiple-

CiteScore

3.90

自引率

4.20%

发文量

审稿时长

13 weeks

期刊介绍： Health Economics Review is an international high-quality journal covering all fields of Health Economics. A broad range of theoretical contributions, empirical studies and analyses of health policy with a health economic focus will be considered for publication. Its scope includes macro- and microeconomics of health care financing, health insurance and reimbursement as well as health economic evaluation, health services research and health policy analysis. Further research topics are the individual and institutional aspects of health care management and the growing importance of health care in developing countries.