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ORIGINAL ARTICLE Table of Contents   
Year : 2018  |  Volume : 43  |  Issue : 4  |  Page : 307-311
Catastrophic health-care expenditure and willingness to pay for health insurance in a metropolitan city: A cross-sectional study


1 Department of Community Medicine, Seth GS Medical College and KEM Hospital, Mumbai, Maharashtra, India
2 Department of Community Medicine, Lokmanya Tilak Municipal Medical College and General Hospital, Mumbai, Maharashtra, India

Correspondence Address:
Dr. Jerome Gnanasigamony Thampi
243, Bharathiyar Street, Salamedu, Opposite Chennai Silks, Villupuram, Tamil Nadu
India
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Source of Support: None, Conflict of Interest: None


DOI: 10.4103/ijcm.IJCM_252_18

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Background: Health insurance can be a very useful strategy to mitigate the disabling effects of catastrophic health expenditure in India. Objectives: The aim of the study is to estimate catastrophic health expenditure incurred and the willingness to pay and ability to pay for health insurance among the unsubscribed. Materials and Methods: A total of 201 principal earning members of households belonging to the 25–45 years age group were interviewed in a community-based household survey in a conveniently selected ward in Mumbai with the help of a pretested, semi-structured interview schedule. Results: The proportion of households with catastrophic health expenditure was 22.4% (total expenditure estimate) and 17.4% (nonfood expenditure estimate). There was a statistically significant association between socioeconomic class and occurrence of catastrophic health expenditure. The average amount the respondents were willing to pay as premium for health insurance per month was ₹272 and the average amount they were able to pay was ₹259. Conclusion: Catastrophic health expenditure continues to be a disastrous problem in around 20% of Indian households. Targeted health insurance schemes with different premiums and coverages for different income and employment groups should be considered.


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