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Impact of health insurance on health-care utilisation and out-of-pocket payments in South Africa

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dc.contributor.author Ataguba, John
dc.contributor.author Goudge, Jane
dc.date.accessioned 2015-03-05T20:13:05Z
dc.date.available 2015-03-05T20:13:05Z
dc.date.copyright 2012
dc.date.issued 2012
dc.identifier.citation Ataguba, J.E.O., & Goudge, J. (2012).The Impact of Health Insurance on Health-care Utilisation and Out-of-Pocket Payments in South Africa. The Geneva Papers, 37, 633-654. doi:10.1057/gpp.2012.35 en
dc.identifier.uri http://hdl.handle.net/10625/53822
dc.description.abstract Health insurance is an alternative to direct out-of-pocket (OOP) financing. It aims to improve access to care and reduce direct OOP payments. However, this may not be the case if there is high cost sharing and limited cover. This paper uses the methodology of propensity score matching to investigate the impact of private insurance via membership of a medical scheme in South Africa on health-care utilisation and OOP payments. The paper finds that insurance coverage increases the use of private health services as would be expected but there is no significant effect on the use of public services. Further, such coverage does not result in lower OOP payments for scheme members compared to nonmembers. This calls for a need to design health insurance, in South Africa, in the form that not only ensures adequate utilisation of health services but also provides financial protection to the insured as reflected in the current commitment for a National Health Insurance. en
dc.language.iso en
dc.publisher The International Association for the Study of Insurance Economics en
dc.subject HEALTH INSURANCE en
dc.subject IMPACT EVALUATION en
dc.subject SOUTH AFRICA en
dc.subject HEALTH-CARE UTILIZATION en
dc.subject OUT-OF-POCKET PAYMENTS en
dc.subject HEALTH FINANCING en
dc.subject ACCESS TO HEALTH CARE en
dc.subject USER CHARGES en
dc.subject HEALTH SERVICES en
dc.subject HEALTH SYSTEM en
dc.title Impact of health insurance on health-care utilisation and out-of-pocket payments in South Africa en
dc.type Journal Article (peer-reviewed) en
idrc.project.number 106439
idrc.project.componentnumber 106439002
idrc.project.title Equity in Health and Health Financing: Building and Strengthening Developing Country Networks en
idrc.copyright.holder The International Association for the Study of Insurance Economics
idrc.dspace.access IDRC Only en
idrc.rims.adhocgroup IDRC SUPPORTED en
idrc.recordsserver.bcsnumber IC01-4451-48
idrc.noaccess Due to copyright restrictions the full text of this research output is not available in the IDRC Digital Library or by request from the IDRC Library. / Compte tenu des restrictions relatives au droit d'auteur, le texte intégral de cet extrant de recherche n'est pas accessible dans la Bibliothèque numérique du CRDI, et il n'est pas possible d'en faire la demande à la Bibliothéque du CRDI. en


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