Gupta Indrani, Trivedi Mayur
Health Policy Research Unit, Institute of Economic Growth, Delhi University Enclave, Delhi, 110007, India,
Appl Health Econ Health Policy. 2014 Dec;12(6):601-10. doi: 10.1007/s40258-014-0105-x.
Standard health insurance products in India currently exclude conditions related to HIV. Although antiretroviral (ARV) drugs are now publicly funded, the burden of treatment due to hospitalization on people living with HIV and AIDS (PLHIV) continues to be high. Unlike many countries, India is yet to eliminate the exclusion clause in standard health insurance products.
The overall aim of this study was to understand if PLHIV would be willing to participate in and purchase commercial health insurance, if it were offered to them.
This study uses primary survey data to analyse the burden of treatment due to hospitalization and estimates the willingness to pay (WTP) for health insurance based on the contingent valuation approach.
The average WTP per year was in the range of Indian rupee (R) 1,145-1,355 or $US20-24, with hospitalization and economic status significantly affecting the WTP.
The findings of the study can serve as evidence for possible changes to policy on health insurance that would allow PLHIV to purchase health insurance.
印度目前的标准健康保险产品将与艾滋病毒相关的病症排除在外。尽管抗逆转录病毒（ARV）药物目前已由公共资金提供，但艾滋病毒和艾滋病患者（PLHIV）因住院治疗而产生的负担仍然很高。与许多国家不同，印度尚未消除标准健康保险产品中的除外责任条款。
本研究的总体目标是了解艾滋病毒和艾滋病患者是否愿意参与并购买商业健康保险（如果向他们提供的话）。
本研究使用原始调查数据来分析住院治疗的负担，并基于条件估值法估计健康保险的支付意愿（WTP）。
每年的平均支付意愿在1145 - 1355印度卢比（R）或20 - 24美元之间，住院情况和经济状况对支付意愿有显著影响。
该研究结果可为健康保险政策的可能变化提供证据，从而使艾滋病毒和艾滋病患者能够购买健康保险。
