Do informal risk sharing networks crowd out public voluntary health insurance? Evidence from Vietnam
Do informal risk sharing networks crowd out public voluntary health insurance? Evidence from Vietnam
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DOI：
10.1080/0003684032000079152
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发表时间：
2003-07-10
影响因子：
2.2
通讯作者：
Jowett, M
中科院分区：
文献类型：
--
作者：
Jowett, M
近年来，许多低收入国家的政府都推广了自愿健康保险计划，主要目的是改善非正规经济工作者获得服务的机会。很少有人试图了解对这种计划的需求，特别是考虑到非正式社会保障安排对许多家庭的重要性。健康保险的需求模型的开发反映了这一背景下，估计使用越南的数据。结果表明，非正规金融网络可能会对政府推动的医疗保险产生挤出效应。理论和政策的影响进行了讨论。
Many governments in low-income countries have promoted voluntary health insurance schemes in recent years, with the principal aim of improving access to services amongst those working in the informal economy. Few attempts to understand demand for such schemes exist, particularly in light of the importance of informal social security arrangements for many households. A model of demand for health insurance is developed reflecting this context, and estimated using data from Vietnam. The results show that informal financial networks may crowd out government promoted health insurance. Implications for theory and policy are discussed.