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Health Insurance for Development

Health Insurance for Development. SA. Quimbo 2012 Research Conference on Microinsurance University of Twente 13 April 2012. Summary of paper presented. Study setting: the Philippines Data from a household survey (n~14,000) suggests that

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Health Insurance for Development

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  1. Health Insurance for Development SA. Quimbo 2012 Research Conference on Microinsurance University of Twente 13 April 2012

  2. Summary of paper presented • Study setting: the Philippines • Data from a household survey (n~14,000) suggests that • the informal sector has been systematically excluded from the National Health Insurance Program (NHIP) • The NHIP component designed to target the informal sector appears to be subject to: • Adverse selection (those who previously expected health shocks are more likely to participate) • Moral hazard (doctors charge more, sick more likely to be confined)

  3. Reflections • SHI versus CHI: which produces better outcomes (in terms of social protection and health status)? • Given advantages and disadvantages of each approach, outcomes are potentially equivalent • Or perhaps in the case of the Philippines, CHIs can help SHI overcome its limitations, particularly, in enrolling the informal sector

  4. Reflections • Will subsidies encourage participation by the informal sector in the NHIP? • There seems to be consensus that subsidies are needed • Our ongoing policy experiment on premium subsidies, shows low uptake despite generous subsidies • Insurance can really be complex, context-specific, which underscores need for venues for the exchange of ideas

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