The Impact of Community Based Health Insurance Schemes on Out-of-Pocket Healthcare Spending: Evidence from Rwanda
IMF Working Papers, February 22, 2019
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- The Impact of Community Based Health Insurance Schemes on Out-of-Pocket Healthcare Spending: Evidence from Rwanda
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Bibliographic details
- Authors: Andinet Woldemichael, Daniel Gurara, Abebe Shimeles
- Published: February 22, 2019
- Series: IMF Working Papers
- DOI: https://doi.org/10.5089/9781484398074.001
Summary
- Achieving universal health coverage, including financial risk protection and access to quality essential health-care services, is one of the main Sustainable Development Goals.
- This paper assesses the impacts of Community-Based Health Insurance Scheme in Rwanda on health-related financial risks using a nationally representative household survey data collected over a ten-year period.
- The scheme significantly reduces annual per capita out-of-pocket spending by about 3,600 Rwandan Franc (about US$12) or about 83 percent of average per capita healthcare expenditure compared to the baseline level in 2000.
- The program also reduces the incidence of catastrophic healthcare spending significantly.
Key findings
- Annual per capita out-of-pocket spending reduced by about 3,600 Rwandan Franc (about US$12).
- Reduction corresponds to about 83 percent of average per capita healthcare expenditure relative to the baseline level in 2000.
- The program reduces the incidence of catastrophic healthcare spending significantly.
- The impacts favor the rich as compared to the poor.
Data and methods
- Analysis is based on a nationally representative household survey data collected over a ten-year period.
- The paper is presented as an IMF Working Paper.
Distributional effects
- While the Community-Based Health Insurance Scheme substantially lowers out-of-pocket spending and catastrophic spending incidence overall, the measured impacts are larger for richer households than for poorer households.
Subjects and keywords highlighted by the paper
- Subjects: Consumption, Expenditure, Financial institutions, Health, Income, Insurance, National accounts.
- Keywords: Africa, CBHI effect, CBHI enrollment, CBHI member household, CBHI membership rate, CBHI scheme, Consumption, health insurance, Healthcare spending, Income, Insurance, low-income, normal distribution, Rwanda, sensitivity analysis, WP.
Andinet Woldemichael, Daniel Gurara, and Abebe Shimeles. "The Impact of Community Based Health Insurance Schemes on Out-of-Pocket Healthcare Spending: Evidence from Rwanda", IMF Working Papers 2019, 038 (2019).
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- Working Paper