Evidence map›Paper›PMID 41641040›Full record

ArticleFrontiers in public health2025

The law of diminishing marginal returns in health insurance: evidence on child health outcomes from Pakistan's Sehat Sahulat program.

Muhammad Shahid, Hafiz Muhammad Naveed, Jiayi Song, Serhat Yuksel, Hasan Dincer, Muhammad Ali

Abstract read
In one paragraph

Article in Frontiers in public health, 2025. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 3 papers.

0numbers the graph read from it
0cells of the map it votes in
3citing papers in PubMed
–field-weighted citation impact
1 · What the graph read from it

What it found

Each row is one number read from the abstract, on the scale the paper reported it, with its interval. Left of the dashed line favours the treatment, right favours the comparator. Under each row is the sentence it came from. New to these charts? A ten-minute tutorial.

The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.

2 · The registry

The trial behind it

Trials whose registry record cites this paper, or whose number appears in the abstract. A trial that started after this paper was published is citing it as background, not reporting it.

Neither the registry nor the abstract names a trial number. If this is a trial report, that itself is worth knowing.

3 · Its place in the literature

Who cites it

3 citing papers in PubMed.

  1. Article
  2. Article
  3. Article
4 · The record

Corrections and comments

PubMed lists nothing against this paper. Absence here is not a guarantee, only a check that was made.

5 · Who and what money

Authors and funding

6 authors.

Muhammad ShahidCollege of Management, Shenzhen University, Shenzhen, Guangdong, China.
Hafiz Muhammad NaveedCollege of Management, Shandong University of Finance and Economics, Shandong, China.
Jiayi SongDepartment of Family Medicine, McGill University, Montreal, QC, Canada.
Serhat YukselSchool of Business, Istanbul Medipol University, Istanbul, Türkiye.
Hasan DincerSchool of Business, Istanbul Medipol University, Istanbul, Türkiye.
Muhammad AliDepartment of Economics, Al-Madinah International University, Kuala Lumpur, Malaysia.

Funding

No grant is acknowledged in the PubMed record.

6 · The paper itself

Abstract

Background: Child malnutrition remains a serious public health challenge in Pakistan. The national health insurance initiative, the Sehat Sahulat Program (SSP), aims to improve access to health care for low-income families. This study examines whether the effectiveness of SSP follows the Law of Diminishing Marginal Returns (LDMR), whereby the marginal health benefits of insurance are greatest for the poorest households and decline with increasing wealth. Methods: We analyzed data on 4,499 children under 5 years of age in the Pakistan Demographic and Health Survey 2017-18. To address endogeneity and wealth-based heterogeneity, we employed an IV-Probit model and an IV-Quantile Regression (IV-QR) across wealth quintiles, using community-level internet access and distance to the nearest health facility as instrumental variables. Logistic regression was applied as a baseline model. Results: Analysis reveals a strong gradient in the effectiveness of SSP program. Insurance coverage is associated with reduced stunting and marked declines in diarrhea rates among the poorest households. These benefits have diminished in the overall distribution of wealth and have become statistically insignificant for the richest quintile. Econometric tests have confirmed a clear pattern of declining marginal returns. Conclusion: The Sehat Sahulat project is a very effective tool for reducing malnutrition among poor children in Pakistan. The observed pattern of diminishing returns suggests that SSP provides the greatest health benefits to the poorest households. These findings support a pro-poor targeting strategy in Pakistan to maximize the program's impact within resource constraints.

Indexed as

Child HealthChild Nutrition DisordersHealth Services AccessibilityInsurance CoverageInsurance, HealthNational Health ProgramsChild, PreschoolDiarrheaFemaleGrowth DisordersHealth SurveysHumansInfantMalePakistanPovertychild stuntingdiarrheahealth insurancelaw of diminishing marginal returnsPakistan

Identifiers

PMID41641040
PMCPMC12864447

What OpenQuestion holds

Textmetadata
LicenceCC BY
Read underepoch 390

Registered trials

None linked

Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.