Utilization of Comprehensive Health Insurance Scheme, Kerala: A Comparative Study of Insured and Uninsured Below-Poverty-Line Households.
Asia Pac J Public Health
; 28(1 Suppl): 77S-85S, 2016 Jan.
Article
in En
| MEDLINE
| ID: mdl-26316502
ABSTRACT
We aimed to compare the sociodemographics, health care utilization pattern, and out-of-pocket (OOP) expenses of 149 insured and 147 uninsured below-poverty-line households insured under the Comprehensive Health Insurance Scheme, Kerala, through a comparative cross-sectional study. Family size more than 4 (odds ratio [OR] = 2.34; 95% confidence interval [CI] = 1.13-4.82), family member with chronic disease (OR = 2.05; 95% CI = 1.18-3.57), high socioeconomic status (OR = 2.95; 95% CI = 1.74-5.03), and an employed household head (OR = 2.69; 95% CI = 1.44-5.02) were significantly associated with insured households. Insured households had higher inpatient service utilization (OR = 1.57; 95% CI = 1.05-2.34). Only 40% of inpatient service utilization among the insured was covered by insurance. The mean OOP expenses for inpatient services among insured (INR 448.95) was higher than among uninsured households (INR 159.93); P = .003. These findings show that urgent attention of the government is required to redesign and closely monitor the scheme.
Key words
Full text:
1
Collection:
01-internacional
Database:
MEDLINE
Main subject:
Poverty
/
Family Characteristics
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Medically Uninsured
/
Insurance Coverage
/
Insurance, Major Medical
Type of study:
Observational_studies
/
Prevalence_studies
/
Risk_factors_studies
Aspects:
Determinantes_sociais_saude
Limits:
Adolescent
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Adult
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Child
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Child, preschool
/
Female
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Humans
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Infant
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Male
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Middle aged
/
Newborn
Language:
En
Journal:
Asia Pac J Public Health
Journal subject:
SAUDE PUBLICA
Year:
2016
Document type:
Article
Affiliation country:
India