Households’ Willingness to Pay for Community-Based Health Insurance in the Southwest Region of Bangladesh

IF 1 Q4 HEALTH POLICY & SERVICES
Md. Tanzeer Alam, Tasnim Murad Mamun, R. Akter
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Abstract

In Bangladesh, especially the informal sector workers are deprived of proper healthcare owing to high cost and lack of security like health insurance. The study aims to estimate the willingness to pay (WTP) of the informal sector workers for premium-based health insurance on the basis of data collected from 210 households, where double bounded dichotomous choice (DBDC) model was applied. The study estimates that this working-class people are willing to pay a monthly premium of on average around BDT (Bangladeshi Taka) 315 (USD 3.66) in response to enjoy the facilities of health insurance scheme for a household comprising up to four family members. Moreover, the per household estimated average monthly optimum tariff rate of almost BDT 300 (USD 3.54) and monthly mean social optimum tariff rate of about BDT 100 (USD 1.18) indicate the assurance of socially desirable welfare for all of the market participants. By charging this tariff, approximately 97 percent of the people would enjoy access to community-based health insurance, in addition to generating revenue that is around 1.13 times the project’s cost. Even by charging this monthly mean social optimum tariff, approximately 97 percent of the households would enjoy the access to community-based health insurance; the generating revenue through that tariff rate is around 1.13 times of the probable cost for high service package health scheme. In order to alleviate the burden of the out-of-pocket (OOP) costs for this vulnerable community, the study advises policymakers to initiate health insurance scheme by maintaining effective supervision over market dynamics and fixing the best fit premium rate.
孟加拉国西南地区家庭支付社区医疗保险的意愿
在孟加拉国,尤其是非正规部门的工人,由于高昂的成本和缺乏医疗保险等保障,被剥夺了适当的医疗保健。本研究旨在根据从210个家庭收集的数据,估计非正规部门工人对基于保费的医疗保险的支付意愿,其中应用了双界二分选择(DBDC)模型。该研究估计,这些工人阶级愿意每月平均支付约315孟加拉塔卡(3.66美元)的保费,以享受由四名家庭成员组成的家庭的医疗保险计划。此外,每个家庭估计的每月平均最佳电价几乎为300孟加拉塔卡(3.54美元),每月平均社会最佳电价约为100孟加拉塔卡,表明所有市场参与者都能获得社会期望的福利。通过收取这一费用,大约97%的人将享受基于社区的医疗保险,此外还将产生约为该项目成本1.13倍的收入。即使按照每月平均社会最优费率收费,大约97%的家庭也能享受社区医疗保险;通过该费率产生的收入约为高服务套餐健康计划可能成本的1.13倍。为了减轻这一弱势群体的自付费用负担,该研究建议政策制定者通过对市场动态保持有效监督并确定最适合的保险费率来启动健康保险计划。
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
Journal of Health Management
Journal of Health Management HEALTH POLICY & SERVICES-
CiteScore
3.40
自引率
0.00%
发文量
84
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