Dror David Mark, Radermacher Ralf, Koren Ruth
Erasmus University Rotterdam/MC, Institute for Health Policy and Management, The Netherlands.
Health Policy. 2007 Jun;82(1):12-27. doi: 10.1016/j.healthpol.2006.07.011. Epub 2006 Sep 12.
This study, conducted in India in 2005, provides evidence on Willingness to pay (WTP), gathered through a unidirectional (descending) bidding game among 3024 households (HH) in seven locations where micro health insurance units are in operation. Insured persons reported slightly higher WTP values than uninsured. About two-thirds of the sample agreed to pay at least 1%; about half the sample was willing to pay at least 1.35%; 30% was willing to pay about 2.0% of annual HH income as health insurance premium. Nominal WTP correlates positively with income but relative WTP (expressed as percent of HH income) correlates negatively. The correlation between WTP and education is secondary to that of WTP with HH income. Household composition did not affect WTP. However, HHs that experienced a high-cost health event and male respondents reported slightly higher WTP. The observed nominal levels of WTP are higher than has been estimated hitherto.
这项于2005年在印度开展的研究，提供了关于支付意愿（WTP）的证据，支付意愿是通过在七个运营微型健康保险单位的地区对3024户家庭进行单向（递减）投标博弈收集而来的。参保人员报告的支付意愿值略高于未参保人员。约三分之二的样本同意至少支付1%；约一半的样本愿意至少支付1.35%；30%的样本愿意支付约占家庭年收入2.0%的金额作为健康保险费。名义支付意愿与收入呈正相关，但相对支付意愿（以家庭收入的百分比表示）呈负相关。支付意愿与教育之间的相关性仅次于支付意愿与家庭收入之间的相关性。家庭构成并未影响支付意愿。然而，经历过高额医疗费用事件的家庭以及男性受访者报告的支付意愿略高。观察到的名义支付意愿水平高于迄今为止的估计值。
