Utilization of Comprehensive Health Insurance Scheme, Kerala: A Comparative Study of Insured and Uninsured Below-Poverty-Line Households

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dc.contributor.authorPhilip, NE
dc.contributor.authorKannan, S
dc.contributor.authorSarma, SP
dc.date.accessioned2017-03-10T03:29:13Z
dc.date.available2017-03-10T03:29:13Z
dc.date.issued2016
dc.description.abstractWe 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.
dc.identifier.citation28 ,;77S-85Sen_US
dc.identifier.uri10.1177/1010539515602306
dc.identifier.urihttps://dspace.sctimst.ac.in/handle/123456789/10673
dc.publisherASIA-PACIFIC JOURNAL OF PUBLIC HEALTH
dc.subjectPublic, Environmental & Occupational Health
dc.titleUtilization of Comprehensive Health Insurance Scheme, Kerala: A Comparative Study of Insured and Uninsured Below-Poverty-Line Households
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