Indian Journal of Community Medicine

ORIGINAL ARTICLE
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


Rujuta Sachin Hadaye1, Jerome Gnanasigamony Thampi2 
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

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.


How to cite this article:
Hadaye RS, Thampi JG. Catastrophic health-care expenditure and willingness to pay for health insurance in a metropolitan city: A cross-sectional study.Indian J Community Med 2018;43:307-311


How to cite this URL:
Hadaye RS, Thampi JG. Catastrophic health-care expenditure and willingness to pay for health insurance in a metropolitan city: A cross-sectional study. Indian J Community Med [serial online] 2018 [cited 2019 Dec 6 ];43:307-311
Available from: http://www.ijcm.org.in/article.asp?issn=0970-0218;year=2018;volume=43;issue=4;spage=307;epage=311;aulast=Hadaye;type=0