Renewing membership in three community-based health insurance schemes in rural India
Open accessAbstract
Low renewal rate is a key challenge facing the sustainability of community-based health insurance (CBHI) schemes. While there is a large literature on initial enrolment into such schemes, there is limited evidence on the factors that impede renewal. This article uses longitudinal data to analyse what determines renewal, both 1 year and 2 years after the introduction of three CBHI schemes, which have been operating in rural Bihar and Uttar Pradesh since 2011. We find that initial scheme uptake is ∼23-24% and that 2 years after scheme operation, only ∼20% of the initial enrolees maintain their membership. A household's socio-economic status does not seem to play a large role in impeding renewal. In some instances, a greater understanding of the scheme boosts renewal. The link between health status and use of health care in maintaining renewal is mixed. The clearest effect is that individuals living in households that have received benefits from the scheme are substantially more likely to renew their contracts. We conclude that the low retention rates may be attributed to limited benefit packages, slow claims processing times and the gap between the amounts claimed and amounts paid out by insurance.
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Retaining existing customers is crucial for health insurance policy renewal, especially in the Indian market.
“The retention of existing customers is crucial for any health insurance policy renewal especially in Indian market (Meesala and Paul 2018; Panda et al. 2016).”
From Health insurance policy renewal: an exploration of reputation, performance, and affect to understand customer inertia (2022) · cites this paper as Panda et al. 2016
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- Authors
- Panda, P., Chakraborty, A., Raza, W., & Bedi, A. S.
- Affiliations
- International Institute of Health Management Research, Delhi (IN)
- Public Health Foundation of India (IN)
- Erasmus University Rotterdam (NL)
- International Institute of Social Studies (NL)
- Venue
- Health Policy and Planning
- Publisher
- Oxford University Press (OUP)
- Published
- 2016-07-31
- Volume
- 31
- Issue
- 10
- Pages
- 1433-1444
- ISSN
- 0268-1080 (ISSN-L)
- 1460-2237
- OpenAlex
- W318596442
- Cited by
- 31
- References
- 24
- Citations by year
- 2025: 5 · 2024: 4 · 2023: 4 · 2022: 4 · 2021: 5 · 2020: 3 · 2019: 4 · 2017: 1 · 2015: 1
- FWCI
- 2.79
- Type
- journal article
- Language
- en
- Open access
- bronze
- doi.org
- Locations
- Health Policy and Planning (publishedVersion)
- PubMed (publishedVersion)
- EUR Research Repository (Erasmus University Rotterdam) (publishedVersion, other-oa)
- RePEc: Research Papers in Economics (submittedVersion)
- EUR Research Repository (Erasmus University Rotterdam) (submittedVersion)
- RePub (Erasmus University Rotterdam) (submittedVersion, other-oa)
- HighWire Press Open Archive (submittedVersion)
- Funders
- European Commission (223518)
- 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
- community-based health insurance, membership renewal, retention, rural India, Bihar, Uttar Pradesh, socioeconomic status, health status, health care utilization, benefit packages, claims management
- MeSH terms
- Community Participation, Family Characteristics, Financing, Personal, Health Services, Health Services Accessibility, Health Status, Humans, India, Insurance, Health, Longitudinal Studies, Rural Population, Socioeconomic Factors
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