The potential market for private low-cost health insurance in 4 African contexts
Lessons Learned from the Health Insurance Fund
Report for USAID
This report summarizes some of the main issues surrounding health care utilization and health insurance in 4 different contexts in (3 countries in) Africa in which an innovative model of subsidized low-cost health insurance is currently being implemented by the Health Insurance Fund and its implementing partner the PharmAccess Foundation. These programs not only help low and middle-income households bear the burden of health care costs, but they secure HIV/AIDS, malaria and tuberculosis treatment and simultaneously improve health care facilities in program areas. Data for the report are taken from the baseline household surveys that were implemented, for the purpose of examining the potential impacts of the programs, by the Amsterdam Institute for International Development (AIID) and the Centre for Poverty-related Communicable Diseases (CPCD) (now renamed the Amsterdam Institute for Global Health and Development –AIGHD). These baseline household surveys provide a rich set of data pertaining to socioeconomic and biomedical characteristics.
In this report, specifically, we examine the driving factors behind health status, health care utilization and out of pocket health expenditures, exploring such determinants as income, education, and employment status. In addition, we examine willingness to pay for health insurance comparing across socioeconomic groups and across different contexts in countries for which we have data.
Click here to read the full report.