The Impact of SEWA's Medical Insurance Fund on Hospital Utilization and Expenditure : A Household Survey
This paper assesses the impact of the Self-Employed Women's Association's (SEWA's) Medical Insurance Fund, Gujarat, in terms of inclusion of the poor, hospital utilization, and expenditure. Age-matched insured and uninsured women wer...
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| Format: | Working Paper |
| Language: | English en_US |
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World Bank, Washington, DC
2013
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| Online Access: | http://documents.worldbank.org/curated/en/2001/09/3584288/impact-sewas-medical-insurance-fund-hospital-utilization-expenditure-household-survey http://hdl.handle.net/10986/13788 |
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okr-10986-137882021-04-23T14:03:10Z The Impact of SEWA's Medical Insurance Fund on Hospital Utilization and Expenditure : A Household Survey Ranson, M. Kent ADDICTION ADVERSE SELECTION COMMUNITIES COMMUNITY DEVELOPMENT COMMUNITY PARTICIPATION CONSUMPTION EXPENDITURES DEBT DIABETES DISTRICTS DOCTORS ECONOMIC DEVELOPMENT FAMILY PLANNING GENDER GNP HEALTH CARE HEALTH CARE FINANCING HEALTH CARE UTILIZATION HEALTH EXPENDITURES HEALTH FINANCING HEALTH INSURANCE HEALTH POLICY HEALTH SECTOR HEALTH SERVICES HOSPITAL CARE HOSPITAL COSTS HOSPITAL UTILIZATION HOSPITALIZATION HOSPITALS HOUSEHOLDS HUMAN DEVELOPMENT HYGIENE HYPERTENSION INCOME INCOME LEVELS INFORMAL SECTOR INPATIENT CARE ISOLATION LIFE INSURANCE LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MEDICAL INSURANCE MORAL HAZARD NONPROFIT HOSPITALS NUTRITION POLICY MAKERS POVERTY ALLEVIATION PREGNANCY PROBABILITY PUBLIC GOODS PUBLIC SECTOR RESOURCE ALLOCATION RISK MANAGEMENT SCHOOL HEALTH SHELTER TAXATION VILLAGES WAGES This paper assesses the impact of the Self-Employed Women's Association's (SEWA's) Medical Insurance Fund, Gujarat, in terms of inclusion of the poor, hospital utilization, and expenditure. Age-matched insured and uninsured women were compared using survey data (2000). The authors found that wealth was not a determinant of membership in the Fund; i.e., the poor were not excluded. Of 28 hospitalizations among Fund members over one year, only five were reimbursed. Membership in SEWA was not significantly associated with increased frequency of hospitalization, but there was a significant association with lower costs of hospitalization, net of reimbursement. Unlike many other CBHI schemes, the Fund has overcome barriers that exclude the poorest. This is due in part to nesting of the Fund within a larger development organization. Utilization of the Fund, and thus impact on hospital utilization and expenditure, was minimal. This may relate to a lack of awareness of benefits among Fund members, or costs and difficulties associated with submitting an insurance claim. 2013-06-05T18:14:18Z 2013-06-05T18:14:18Z 2001-09 http://documents.worldbank.org/curated/en/2001/09/3584288/impact-sewas-medical-insurance-fund-hospital-utilization-expenditure-household-survey 1-932126-07-4 http://hdl.handle.net/10986/13788 English en_US HNP discussion paper series; CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research :: Working Paper Publications & Research South Asia India |
| repository_type |
Digital Repository |
| institution_category |
Foreign Institution |
| institution |
Digital Repositories |
| building |
World Bank Open Knowledge Repository |
| collection |
World Bank |
| language |
English en_US |
| topic |
ADDICTION ADVERSE SELECTION COMMUNITIES COMMUNITY DEVELOPMENT COMMUNITY PARTICIPATION CONSUMPTION EXPENDITURES DEBT DIABETES DISTRICTS DOCTORS ECONOMIC DEVELOPMENT FAMILY PLANNING GENDER GNP HEALTH CARE HEALTH CARE FINANCING HEALTH CARE UTILIZATION HEALTH EXPENDITURES HEALTH FINANCING HEALTH INSURANCE HEALTH POLICY HEALTH SECTOR HEALTH SERVICES HOSPITAL CARE HOSPITAL COSTS HOSPITAL UTILIZATION HOSPITALIZATION HOSPITALS HOUSEHOLDS HUMAN DEVELOPMENT HYGIENE HYPERTENSION INCOME INCOME LEVELS INFORMAL SECTOR INPATIENT CARE ISOLATION LIFE INSURANCE LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MEDICAL INSURANCE MORAL HAZARD NONPROFIT HOSPITALS NUTRITION POLICY MAKERS POVERTY ALLEVIATION PREGNANCY PROBABILITY PUBLIC GOODS PUBLIC SECTOR RESOURCE ALLOCATION RISK MANAGEMENT SCHOOL HEALTH SHELTER TAXATION VILLAGES WAGES |
| spellingShingle |
ADDICTION ADVERSE SELECTION COMMUNITIES COMMUNITY DEVELOPMENT COMMUNITY PARTICIPATION CONSUMPTION EXPENDITURES DEBT DIABETES DISTRICTS DOCTORS ECONOMIC DEVELOPMENT FAMILY PLANNING GENDER GNP HEALTH CARE HEALTH CARE FINANCING HEALTH CARE UTILIZATION HEALTH EXPENDITURES HEALTH FINANCING HEALTH INSURANCE HEALTH POLICY HEALTH SECTOR HEALTH SERVICES HOSPITAL CARE HOSPITAL COSTS HOSPITAL UTILIZATION HOSPITALIZATION HOSPITALS HOUSEHOLDS HUMAN DEVELOPMENT HYGIENE HYPERTENSION INCOME INCOME LEVELS INFORMAL SECTOR INPATIENT CARE ISOLATION LIFE INSURANCE LOW INCOME LOW-INCOME COUNTRIES MACROECONOMICS MEDICAL INSURANCE MORAL HAZARD NONPROFIT HOSPITALS NUTRITION POLICY MAKERS POVERTY ALLEVIATION PREGNANCY PROBABILITY PUBLIC GOODS PUBLIC SECTOR RESOURCE ALLOCATION RISK MANAGEMENT SCHOOL HEALTH SHELTER TAXATION VILLAGES WAGES Ranson, M. Kent The Impact of SEWA's Medical Insurance Fund on Hospital Utilization and Expenditure : A Household Survey |
| geographic_facet |
South Asia India |
| relation |
HNP discussion paper series; |
| description |
This paper assesses the impact of the
Self-Employed Women's Association's (SEWA's)
Medical Insurance Fund, Gujarat, in terms of inclusion of
the poor, hospital utilization, and expenditure. Age-matched
insured and uninsured women were compared using survey data
(2000). The authors found that wealth was not a determinant
of membership in the Fund; i.e., the poor were not excluded.
Of 28 hospitalizations among Fund members over one year,
only five were reimbursed. Membership in SEWA was not
significantly associated with increased frequency of
hospitalization, but there was a significant association
with lower costs of hospitalization, net of reimbursement.
Unlike many other CBHI schemes, the Fund has overcome
barriers that exclude the poorest. This is due in part to
nesting of the Fund within a larger development
organization. Utilization of the Fund, and thus impact on
hospital utilization and expenditure, was minimal. This may
relate to a lack of awareness of benefits among Fund
members, or costs and difficulties associated with
submitting an insurance claim. |
| format |
Publications & Research :: Working Paper |
| author |
Ranson, M. Kent |
| author_facet |
Ranson, M. Kent |
| author_sort |
Ranson, M. Kent |
| title |
The Impact of SEWA's Medical Insurance Fund on Hospital Utilization and Expenditure : A Household Survey |
| title_short |
The Impact of SEWA's Medical Insurance Fund on Hospital Utilization and Expenditure : A Household Survey |
| title_full |
The Impact of SEWA's Medical Insurance Fund on Hospital Utilization and Expenditure : A Household Survey |
| title_fullStr |
The Impact of SEWA's Medical Insurance Fund on Hospital Utilization and Expenditure : A Household Survey |
| title_full_unstemmed |
The Impact of SEWA's Medical Insurance Fund on Hospital Utilization and Expenditure : A Household Survey |
| title_sort |
impact of sewa's medical insurance fund on hospital utilization and expenditure : a household survey |
| publisher |
World Bank, Washington, DC |
| publishDate |
2013 |
| url |
http://documents.worldbank.org/curated/en/2001/09/3584288/impact-sewas-medical-insurance-fund-hospital-utilization-expenditure-household-survey http://hdl.handle.net/10986/13788 |
| _version_ |
1764424606089740288 |