Health insurance, a friend in need? Impacts of formal insurance and crowding out of informal insurance
| cg.authorship.types | CGIAR single centre | en |
| cg.contributor.crp | Policies, Institutions, and Markets | |
| cg.contributor.donor | PharmAccess Foundation | en |
| cg.contributor.donor | Health Insurance Fund | en |
| cg.contributor.donor | Netherlands Organisation for Scientific Research | en |
| cg.contributor.donor | Amsterdam Institute for Global Health and Development | en |
| cg.contributor.donor | Joep Lange Institute | en |
| cg.creator.identifier | Xin Geng: 0000-0001-9107-0095 | |
| cg.creator.identifier | Berber Kramer: 0000-0001-7644-6613 | |
| cg.identifier.doi | https://doi.org/10.1016/j.worlddev.2018.07.004 | en |
| cg.identifier.project | IFPRI - Markets, Trade, and Institutions Division | |
| cg.identifier.publicationRank | A | |
| cg.isijournal | ISI Journal | en |
| cg.issn | 0305-750X | en |
| cg.issue | November 2018 | en |
| cg.journal | World Development | en |
| cg.reviewStatus | Peer Review | en |
| cg.volume | 111 | en |
| dc.contributor.author | Geng, Xin | en |
| dc.contributor.author | Janssens, Wendy | en |
| dc.contributor.author | Kramer, Berber | en |
| dc.contributor.author | van der List, Marijn | en |
| dc.date.accessioned | 2024-06-21T09:11:23Z | en |
| dc.date.available | 2024-06-21T09:11:23Z | en |
| dc.identifier.uri | https://hdl.handle.net/10568/147115 | |
| dc.title | Health insurance, a friend in need? Impacts of formal insurance and crowding out of informal insurance | en |
| dcterms.abstract | Health insurance can improve health-seeking behaviors and protect consumption from health shocks but may also crowd out informal insurance. This paper therefore examines whether impacts of health insurance depend on households’ access to informal insurance, as proxied for by mobile money usage. Based on high-frequency financial diaries data collected in rural Kenya, we find that households with weaker access to informal insurance cope with uninsured health shocks by lowering subsequent non-health expenditures by approximately 25 percent. These same households are able to smooth consumption when health shocks are insured, due to lower out-of-pocket health expenditures. In contrast, households with access to informal insurance are able to smooth consumption even in the absence of formal health insurance. For this latter group, health insurance increases healthcare utilization at formal clinics and does not crowd out gifts and remittances during weeks with health shocks. These findings provide guidance for insurance schemes aiming to target the most vulnerable populations. | en |
| dcterms.accessRights | Open Access | |
| dcterms.bibliographicCitation | Geng, Xin; Janssens, Wendy; Kramer, Berber; and van der List, Marijn. 2018. Health insurance, a friend in need? Impacts of formal insurance and crowding out of informal insurance. World Development 111(November 2018): 196-210. https://doi.org/10.1016/j.worlddev.2018.07.004 | en |
| dcterms.extent | 14 pages | en |
| dcterms.issued | 2018-08-15 | |
| dcterms.language | en | |
| dcterms.license | CC-BY-NC-ND-4.0 | |
| dcterms.publisher | Elsevier | en |
| dcterms.relation | https://doi.org/10.2499/p15738coll2.133514 | en |
| dcterms.relation | https://doi.org/10.1093/heapol/czz172 | en |
| dcterms.replaces | https://ebrary.ifpri.org/digital/collection/p15738coll5/id/6317 | en |
| dcterms.subject | insurance | en |
| dcterms.subject | informal sector | en |
| dcterms.subject | rural population | en |
| dcterms.subject | low income groups | en |
| dcterms.subject | health insurance | en |
| dcterms.subject | shock | en |
| dcterms.subject | household expenditure | en |
| dcterms.subject | capacity development | en |
| dcterms.subject | health care | en |
| dcterms.type | Journal Article |