ArticleJournal of family medicine and primary care2020
Health insurance coverage and its impact on out-of-pocket expenditures at a public sector hospital in Kerala, India.
Article in Journal of family medicine and primary care, 2020. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 10 papers.
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Who cites it
10 citing papers in PubMed.
- Inequities in Health Insurance Coverage among Tribal Populations in India: Evidence from a Multi-State Cross-Sectional Study.Journal of racial and ethnic health disparities · 2026Article
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- The effectiveness of a government-sponsored health protection scheme in reducing financial risks for the below-poverty-line population in Bangladesh.Health policy and planning · 2024Article
- Determinants of out-of-pocket expenditure on medicines among adults in Saudi Arabia: a cross-sectional study.Frontiers in medicine · 2024Article
- Gender-specific inequalities in coverage of Publicly Funded Health Insurance Schemes in Southern States of India: evidence from National Family Health Surveys.BMC public health · 2023Article
- Healthcare workers' perspectives on access to sexual and reproductive health services in the public, private and private not-for-profit sectors: insights from Kenya, Tanzania, Uganda and Zambia.BMC health services research · 2022Article
- Out-of-pocket spending on hypertension and diabetes among patients reporting in a health -care teaching institute of the Western Rajasthan.Journal of family medicine and primary care · 2022Article
- Health Insurance and Out-Of-Pocket Expenditure on Health and Medicine: Heterogeneities along Income.Frontiers in pharmacology · 2021Article
- Impact of Public Health Insurance on Out-of-Pocket Health Expenditures of the Near-Poor in Vietnam.Health services insights · 2021Article
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7 authors.
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Abstract
backgroundHealth insurance coverage ensures protection from catastrophic health-care expenditure, especially to the underprivileged sections of society. Health insurance schemes such as Ayushman Bharat are coming up in addition to the existing schemes such as Rashtriya Swasthya Bima Yojana in India. The objectives are to find the health insurance coverage and its impact on out-of-pocket (OOP) expenditure for public sector tertiary health-care hospitalization.
methodsA cross-sectional study was conducted at a tertiary care hospital in Kerala. Insurance coverage was assessed among patients seeking inpatient care in various medical and surgical departments. OOP expenses incurred for those receiving and not receiving insurance coverage were compared. In addition, factors influencing enrolment and availing of insurance schemes were determined.
resultsThe coverage of health insurance was found to be 74%. Awareness campaigns and activities of local self-government (LSG) departments were the important reasons for enrolment and availing, respectively. Significantly lower OOP expenditures occurred in insured persons with regard to expenses incurred for treatment procedures (
conclusionA quarter of patients still remain out of insurance coverage. All patients are incurring OOP expenditures, though the insured patients have significantly lower OOP expenses. The role of primary care providers and LSG is pivotal in creating awareness and ensuring enrolment. Availing services depend on the availability of resources at the respective institution. Improvements in enrolment and use of health insurance should ultimately result in improved patient satisfaction.
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