Catastrohpic out-of-pocket payment for health care and its impact on households: Experience from West Bengal, India
IIHMR<br />Catastrophic out-of-pocket payment for health care and its impact on households: Experience from West Bengal, India<br />Swadhin Mondal<br />Barun Kanjilal<br />Henry Lucas<br />iHEA Conference Toronto 2011<br />
Highest population density of any state in India: 904 persons per square km.
Almost 25% 0f population living below poverty line.</li></ul>Study Area: West Bengal<br />
Context<br /><ul><li>The government has substantially increased the health sector budget, but due to inequities in resource allocation this has not substantially improved access to quality services for the poor.
Out-of-pocket (OOP) payment is the major health financing mechanism (~80%).
OOP often places a huge financial burden on poorer households
Financial protection mechanisms, especially for poor rural households, are few and very limited. </li></ul>3<br />
4<br /><ul><li>Primary data collected from three districts
Findings<br /><ul><li>Catastrophic expenditure associated with outpatient visits was associated with a much greater impact on vulnerability index than catastrophic expenditure associated with inpatient care
This is partly a consequence of the fact that outpatient catastrophic expenditure tended to be associated with poorer households.</li></ul>9<br />
Discussion<br /><ul><li>Healthcare expenditure for chronic illness was the most important determinant of catastrophic expenditure – substantially ahead of hospitalization.
Expenditure on chronic illness acts as a cumulative burden that gradually drives households into poverty.
Catastrophic heath expenditure on minor illnesses, strongly associated with poorer households, had the greatest impact on economic status.
High healthcare expenditure for the poor often resulted in substantial reductions in consumption expenditures on food, education, and social activities.</li></ul>10<br />