Paper
Health Insurance Benefit Packages Prioritized by Low-Income Clients in India: Three Criteria to Estimate Effectiveness of Choice
Should prospective clients be involved in the design of health insurance benefits packages?
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13 pages
This document aims to determine whether poor, uneducated clients can make judicious choices about the insurance most suited to them, and whether they should be involved in designing benefit packages. The study:
- Examines insurance priorities of 302 illiterate individuals from a number of villages in two states in India;
- Assesses the judiciousness of rationing decisions by examining the association between frequency of choosing a package and its perceived effectiveness;
- Uses three criteria to assess perceived costs: reimbursement, fairness and catastrophic coverage.
Most frequently chosen packages score highly on all three criteria and confirm that respondents make judicious rationing choices. The paper concludes that prospective clients can be involved in the design of benefit packages without compromising the judiciousness of rationing choices, even when they are uneducated, poor and have no prior knowledge of insurance.
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