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Impact of Community-based Health Insurance on Access and Financial Protection: Evidence from Three Randomized Control Trials in Rural India

Authors

  • Wameq A. Raza,

    Corresponding author
    1. Institute of Health Policy and Management, Erasmus University Rotterdam, Rotterdam, the Netherlands
    2. Research and Evaluation Division, BRAC, Dhaka, Bangladesh
    • Correspondence to: Institute of Health Policy and Management, Erasmus University Rotterdam, PO Box 1738, 3000 DR Rotterdam, the Netherlands. E-mail: wameq.r@gmail.com

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  • Ellen van de Poel,

    1. Institute of Health Policy and Management, Erasmus University Rotterdam, Rotterdam, the Netherlands
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  • Arjun Bedi,

    1. International Institute of Social Studies, Erasmus University Rotterdam, Rotterdam, the Netherlands
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  • Frans Rutten

    1. Institute of Health Policy and Management, Erasmus University Rotterdam, Rotterdam, the Netherlands
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Abstract

Since the 1990s, community-based health insurance (CBHI) schemes have been proposed to reduce the financial consequences of illness and enhance access to healthcare in developing countries. Convincing evidence on the ability of such schemes to meet their objectives is scarce. This paper uses randomized control trials conducted in rural Uttar Pradesh and Bihar (India) to evaluate the effects of three CBHI schemes on healthcare utilization and expenditure. We find that the schemes have no effect on these outcomes. The results suggest that CBHI schemes of the type examined in this paper are unlikely to have a substantial impact on access and financial protection in developing countries. Copyright © 2015 John Wiley & Sons, Ltd.

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