Differential willingness of household heads to pay community-based health insurance premia for themselves and other household members
Differential willingness of household heads to pay community-based health insurance premia for themselves and other household members
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DOI：
10.1093/heapol/czh014
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发表时间：
2004-03-01
影响因子：
3.2
通讯作者：
Sauerborn, R
中科院分区：
文献类型：
--
作者：
Dong, HJ;Kouyate, B;Sauerborn, R
目的：本研究比较了户主的支付意愿（WTP）为社区为基础的健康保险（CBI）为自己与他们的支付意愿为其他家庭成员，以提供信息，为政策制定者设置的保费和选择enrollment unit.Method：随机抽样的698个户主进行了采访，在布基纳法索西北部和投标博弈的方法，以引起支付意愿。与支付意愿差异相关的因素进行了确定，包括户主和households.Results的特点：平均支付意愿的户主为自己的保险（3575非洲金融共同体法郎）的两倍，他们的平均支付意愿为家庭作为一个整体（1759非洲金融共同体法郎）的人均。老年人的支付意愿低于年轻人，女性支付意愿低于男性，穷人支付意愿低于富人，受教育程度低的支付意愿低于受教育程度高的支付意愿。结论：在确定保险费时，需要考虑户主为自己投保的支付意愿和为整个家庭投保的支付意愿的差异。支付意愿信息可以帮助决策者解决选择投保单位和设定保险费的复杂问题。
Objective: This study compares household heads' willingness-to-pay (WTP) for community-based health insurance (CBI) for themselves with their WTP for other household members, in order to provide information for policy makers on setting the premium and choosing the enrolment unit.Method: A random sample of 698 heads of households was interviewed in the northwest of Burkina Faso and a bidding game approach was used to elicit WTP. Factors associated with differences in WTP were identified, including characteristics of the household head and of the household.Results: Mean WTP by the heads of households for insurance for themselves (3575 CFA) was twice their mean WTP per capita for the household as a whole (1759 CFA). The old have a lower WTP than the young, females have lower WTP than males, the poor have a lower WTP than the rich, and that those with less schooling have a lower WTP than those with more years of schooling.Conclusion: The differences in household heads' WTP for insurance for themselves and their WTP to insure their households as a whole need to be considered when setting the insurance premium. WTP information can assist decision makers with the complex problem of choosing the enrolment unit and setting the premium.