Journal of Epidemiology and Global Health

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Volume 8, Issue 1-2, December 2018, Pages 69 - 76

Health Insurance: Awareness, Utilization, and its Determinants among the Urban Poor in Delhi, India

Authors
Yadlapalli S. Kusuma1, *, Manisha Pal1, Bontha V. Babu2
1Centre for Community Medicine, All India Institute of Medical Sciences, New Delhi, India
2Socio-Behavioural and Health Systems Research Division, Indian Council of Medical Research, New Delhi, India
*Corresponding author. Email: kusumays@gmail.com
Corresponding Author
Yadlapalli S. Kusuma
Received 10 April 2018, Accepted 6 September 2018, Available Online 31 December 2018.
DOI
10.2991/j.jegh.2018.09.004How to use a DOI?
Keywords
Health insurance; urban poor; migrants
Abstract

This study reports the awareness, access, and utilization of health insurance by the urban poor in Delhi, India. The study included 2998 households from 85 urban clusters spread across Delhi. The data were collected through a pretested, interviewer-administered questionnaire. Logistic regression was performed for determinants of health insurance possession. Only 19% knew about health insurance; 18% had health insurance (8% Employees State Insurance Scheme – ESIS – 8% Central Government Health Scheme – CGHS – 1.4%; Rashtriya Swasthya Bima Yojana (RSBY) – 9.4% of the eligible households). In case of health needs, 95% of CGHS, 71% ESIS beneficiaries, and 9.5% of RSBY beneficiaries utilized the schemes for episodic and chronic illnesses. For hospitalization needs, 54% of RSBY, 86% of ESIS, 100% CGHS utilized respective services. Residential area, migration period, possession of ration card, household size, and occupation of the head of the household were significantly associated with possession of RSBY. RSBY played a limited role in meeting the healthcare needs of the people, thus may not be capable of contributing significantly in the efforts of achieving equity in healthcare for the poor. Relatively, ESIS and CGHS served the healthcare needs of the beneficiaries better. Expansion of ESIS to the informal workers may be considered.

HIGHLIGHTS

  • •

    Urban poor have limited awareness and access to health insurance.

  • •

    The mandatory health insurance schemes better served the healthcare needs.

  • •

    RSBY played a limited role in meeting the healthcare needs of the people.

  • •

    The type of slum, migration duration, and ration card were associated with RSBY enrolment.

Copyright
© 2018 Atlantis Press International B.V.
Open Access
This is an open access article under the CC BY-NC license (http://creativecommons.org/licences/by-nc/4.0/).

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<Previous Article In Issue
Next Article In Issue>
Journal
Journal of Epidemiology and Global Health
Volume-Issue
8 - 1-2
Pages
69 - 76
Publication Date
2018/12/31
ISSN (Online)
2210-6014
ISSN (Print)
2210-6006
DOI
10.2991/j.jegh.2018.09.004How to use a DOI?
Copyright
© 2018 Atlantis Press International B.V.
Open Access
This is an open access article under the CC BY-NC license (http://creativecommons.org/licences/by-nc/4.0/).

Cite this article

risenwbib
TY  - JOUR
AU  - Yadlapalli S. Kusuma
AU  - Manisha Pal
AU  - Bontha V. Babu
PY  - 2018
DA  - 2018/12/31
TI  - Health Insurance: Awareness, Utilization, and its Determinants among the Urban Poor in Delhi, India
JO  - Journal of Epidemiology and Global Health
SP  - 69
EP  - 76
VL  - 8
IS  - 1-2
SN  - 2210-6014
UR  - https://doi.org/10.2991/j.jegh.2018.09.004
DO  - 10.2991/j.jegh.2018.09.004
ID  - Kusuma2018
ER  -