Willingness-to-pay for community-based health insurance among informal workers in urban Bangladesh
This article was published in PLoS ONE [© 2016 Public Library of Science] and the definite version is available at: http://journals.plos.org/plosone/article?id=10.1371/journal.pone.0148211
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2016
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| Accesso online: | http://hdl.handle.net/10361/7351 http://doi.org/10.1371/journal.pone.0148211 |
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10361-73512018-03-27T05:24:01Z Willingness-to-pay for community-based health insurance among informal workers in urban Bangladesh Ahmed, Sayem Enamul Hoque, Mohammad Razzaque Sarker, Abdur Sultana, Marufa Islam, Ziaul Gazi, Rukhsana A. M. Khan, Jahangir James P Grant School of Public Health, BRAC University Confidence interval Consensus development Contingent valuation Controlled study Decision making Education Health care financing Health insurance This article was published in PLoS ONE [© 2016 Public Library of Science] and the definite version is available at: http://journals.plos.org/plosone/article?id=10.1371/journal.pone.0148211 Introduction Reliance on out-of-pocket payment for healthcare may lead poor households to undertake catastrophic health expenditure, and risk-pooling mechanisms have been recommended to mitigate such burdens for households in Bangladesh. About 88% of the population of Bangladesh depends on work in the informal sector. We aimed to estimate willingness-to-pay (WTP) for CBHI and identify its determinants among three categories of urban informal workers rickshaw-pullers, shopkeepers and restaurant workers. Methods The bidding game version of contingent valuation method was used to estimate weekly WTP. In three urban locations 557 workers were interviewed using a structured questionnaire during 2010 and 2011. Multiple-regression analysis was used to predict WTP by demographic and household characteristics, occupation, education level and past illness. Results WTP for a CBHI scheme was expressed by 86.7% of informal workers. Weekly average WTP was 22.8 BDT [Bangladeshi Taka; 95% confidence interval (CI) 20.9-24.8] or 0.32 USD and varied significantly across occupational groups (p = 0.000) and locations (p = 0.003). WTP was highest among rickshaw-pullers (28.2 BDT or 0.40 USD; 95% CI: 24.7-31.7), followed by restaurant workers (20.4 BDT 0.29 USD; 95% CI: 17.0-23.8) and shopkeepers (19.2 BDT or 0.27 USD; 95% CI: 16.1-22.4). Multiple regression analysis identified monthly income, occupation, geographical location and educational level as the key determinants of WTP. WTP increased 0.196% with each 1% increase in monthly income, and was 26.9% lower among workers with up to a primary level of education versus those with higher than primary, but less than one year of education. Conclusion Informal workers in urban areas thus are willing to pay for CBHI and socioeconomic differences explain the magnitude of WTP. The policy maker might think introducing communitybased model including public-community partnership model for healthcare financing of informal workers. Decision making regarding the implementation of such schemes should consider worker location and occupation. Published 2016-12-26T10:15:11Z 2016-12-26T10:15:11Z 2016 Article Ahmed, S., Hoque, M. E., Sarker, A. R., Sultana, M., Islam, Z., Gazi, R., & Khan, J. A. M. (2016). Willingness-to-pay for community-based health insurance among informal workers in urban bangladesh. PLoS ONE, 11(2) doi:10.1371/journal.pone.0148211 19326203 http://hdl.handle.net/10361/7351 http://doi.org/10.1371/journal.pone.0148211 en http://journals.plos.org/plosone/article?id=10.1371/journal.pone.0148211 © 2016 Public Library of Science |
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Brac University |
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Institutional Repository |
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English |
| topic |
Confidence interval Consensus development Contingent valuation Controlled study Decision making Education Health care financing Health insurance |
| spellingShingle |
Confidence interval Consensus development Contingent valuation Controlled study Decision making Education Health care financing Health insurance Ahmed, Sayem Enamul Hoque, Mohammad Razzaque Sarker, Abdur Sultana, Marufa Islam, Ziaul Gazi, Rukhsana A. M. Khan, Jahangir Willingness-to-pay for community-based health insurance among informal workers in urban Bangladesh |
| description |
This article was published in PLoS ONE [© 2016 Public Library of Science] and the definite version is available at: http://journals.plos.org/plosone/article?id=10.1371/journal.pone.0148211 |
| author2 |
James P Grant School of Public Health, BRAC University |
| author_facet |
James P Grant School of Public Health, BRAC University Ahmed, Sayem Enamul Hoque, Mohammad Razzaque Sarker, Abdur Sultana, Marufa Islam, Ziaul Gazi, Rukhsana A. M. Khan, Jahangir |
| format |
Article |
| author |
Ahmed, Sayem Enamul Hoque, Mohammad Razzaque Sarker, Abdur Sultana, Marufa Islam, Ziaul Gazi, Rukhsana A. M. Khan, Jahangir |
| author_sort |
Ahmed, Sayem |
| title |
Willingness-to-pay for community-based health insurance among informal workers in urban Bangladesh |
| title_short |
Willingness-to-pay for community-based health insurance among informal workers in urban Bangladesh |
| title_full |
Willingness-to-pay for community-based health insurance among informal workers in urban Bangladesh |
| title_fullStr |
Willingness-to-pay for community-based health insurance among informal workers in urban Bangladesh |
| title_full_unstemmed |
Willingness-to-pay for community-based health insurance among informal workers in urban Bangladesh |
| title_sort |
willingness-to-pay for community-based health insurance among informal workers in urban bangladesh |
| publisher |
© 2016 Public Library of Science |
| publishDate |
2016 |
| url |
http://hdl.handle.net/10361/7351 http://doi.org/10.1371/journal.pone.0148211 |
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