Gustafsson-Wright Emily, Asfaw Abay, van der Gaag Jacques
Brookings Institution, Washington, DC 20036, USA.
Soc Sci Med. 2009 Nov;69(9):1351-9. doi: 10.1016/j.socscimed.2009.08.011. Epub 2009 Sep 16.
This study analyzes the willingness to pay for health insurance and hence the potential market for new low-cost health insurance product in Namibia, using the double bounded contingent valuation (DBCV) method. The findings suggest that 87 percent of the uninsured respondents are willing to join the proposed health insurance scheme and on average are willing to insure 3.2 individuals (around 90 percent of the average family size). On average respondents are willing to pay NAD 48 per capita per month and respondents in the poorest income quintile are willing to pay up to 11.4 percent of their income. This implies that private voluntary health insurance schemes, in addition to the potential for protecting the poor against the negative financial shock of illness, may be able to serve as a reliable income flow for health care providers in this setting.
本研究采用双边界条件价值评估（DBCV）方法，分析了纳米比亚民众购买医疗保险的意愿，进而研究了新型低成本医疗保险产品的潜在市场。研究结果表明，87%未参保的受访者愿意加入拟议的医疗保险计划，平均愿意为3.2人投保（约占家庭平均规模的90%）。受访者平均每月人均愿意支付48纳米比亚元，收入最贫困五分位的受访者愿意支付其收入的11.4%。这意味着，私人自愿医疗保险计划除了有可能保护穷人免受疾病带来的负面经济冲击外，在这种情况下还可能成为医疗服务提供者可靠的收入来源。
