CoChat
Sign Up
Cited by 28Healthcare Systems and ReformsHealthcare Policy and ManagementMicrofinance and Financial Inclusion

Determinants of Health Insurance Penetration in India: An Empirical Analysis

Chakrabarti, Anindita, Shankar, Anand·2015·Oxford Development Studies
DOI 10.1080/13600818.2015.1057116
Open this paper in CoChat — free account

Abstract

Insufficient participation of the government in the provision of health care services to the people puts tremendous pressure on households financing their health care expenditure from private sources. Health insurance can be seen as an effective measure to circumvent this problem. However, penetration of health insurance in India is very low. This article seeks to explore the effect of household assets, access to media demographic and caste profile of households in explaining the use of health insurance in India using data from the National Family Health Survey-III. Results suggest that richer households have a higher probability of enrolling into health insurance and access to media exerts a positive significant impact on health insurance enrolment. Particularly vulnerable are those from the scheduled tribe background in both rural and urban region and the Muslim community residing in urban area. Non-profit insurance scheme such as community-based health insurance (CBHI) has limited success in drawing people from the poorest economic status into their safety nets. Considerable regional disparity exists in terms of health insurance enrolment pattern. Odds of enrolling in private health insurance and public health insurance in comparison to no insurance are significantly higher for urban region. The opposite result holds for CBHI scheme.

Integrity signals

Registry

Crossref · 10.1080/13600818.2015.1057116

Cites

23 of 23 references verified0 citation errors · 0 not checkable

Statistics

Recomputing p-values needs the paper’s full text.

Claims the paper makes

This paper’s full text isn’t openly available, so its claims and self-check weren’t run. The registry and citation checks still apply.

Claims other papers make about this one

Each is checked against this paper’s own text: does it say what the citing paper says it does?

  • In India, access to good health insurance services is limited to higher income groups due to lack of awareness, income disparity, individualistic slackness, and paucity of government support.

    “On the contrary, in India, the accessibility to good health insurance services is limited to higher income groups due to lack of awareness, income disparity, individualistic slackness, paucity of government support etc. (Chakrabarti and Shankar 2015).”

    From Health insurance policy renewal: an exploration of reputation, performance, and affect to understand customer inertia (2022) · cites this paper as Chakrabarti and Shankar 2015

Cites

Flagged first, then by citations

Cited by

Sorted by citations

Related

Authors
Chakrabarti, A., & Shankar, A.
Affiliations
Reserve Bank of India (IN)
ORCID
Chakrabarti, Anindita
Venue
Oxford Development Studies
Publisher
Informa UK Limited
Published
2015-07-03
Volume
43
Issue
3
Pages
379-401
ISSN
  • 0264-5491 (ISSN-L)
  • 1360-0818
  • 1469-9966
DOI
10.1080/13600818.2015.1057116
OpenAlex
W2198846339
Cited by
28
References
23
Citations by year
2026: 2 · 2025: 7 · 2024: 6 · 2023: 3 · 2022: 4 · 2021: 2 · 2019: 2 · 2017: 1 · 2016: 1
FWCI
1.28
Type
journal article
Language
en
Open access
closed
Locations
  • Oxford Development Studies (publishedVersion)
  • RePEc: Research Papers in Economics (submittedVersion)
Topics
  • Social Sciences › Economics, Econometrics and Finance › Finance › Healthcare Systems and Reforms
  • Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Healthcare Policy and Management
  • Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Microfinance and Financial Inclusion
Keywords
health insurance enrollment, household assets, media access, caste, Scheduled Tribes, Muslim households, community-based health insurance, private health insurance, public health insurance, regional disparities, urban-rural differences, household health expenditure, India

About these checks

Registry, retraction, Cites and statistics results are computed, not judged, with one exception: a printed reference that no index lists is read once by a model before it counts as a citation error. Claims are extracted by a model and kept only when their quote appears verbatim in the text; each cited source is then checked, with a model’s help, for whether it says what the claim relies on. Those verdicts can be wrong — read the claim’s quote and the cited source before relying on one.

Statistics and arithmetic are recomputed, not judged.

Confidence bands are shown only for fields calibrated on our annotated test set. None is calibrated yet, so no band is shown.

What counts as a claim ›How we measure confidence ›How we check this ›

Are you an author, or do you see a problem with this page? Request a review