Hamid Syed Abdul, Khanam Moriam, Azim Md Ragaul, Islam Md Sirajul
Institute of Health Economics University of Dhaka Dhaka Bangladesh.
Research Division, Universal Research Care Ltd Dhaka Bangladesh.
Health Sci Rep. 2021 Oct 1;4(4):e382. doi: 10.1002/hsr2.382. eCollection 2021 Dec.
Bangladesh requires some pragmatic initiatives for using its immense potentiality to flourish health insurance. Introducing group health insurance for university students is a groundbreaking idea for stepping toward social health insurance in Bangladesh. This article examined the effect of the health insurance initiative for the university students introduced by the Institute of Health Economics, University of Dhaka, on attitude toward insurance and protecting financial risk against health care expenditure.
We used both management information system (MIS) and primary data obtained through mixed methods. We collected the quantitative data from a baseline survey on 310 students and a year-end survey on 151 students. We used bivariate tools to analyze the data.
The results show that the mean score of attitude toward health insurance in the year-end survey (4.04) was significantly higher than the baseline score (3.21). Results also show that a significantly higher percentage of the students reported insurance as "useful" in the year-end survey (83.74%) than the baseline survey (40.40%). The results also reflectes that the scheme has a substantial impact on reducing the out-of-pocket spending for health care, especially for in-patient care, and the anxiety regarding the financing of health care among the students. There is also an indication of sustainability and the feasibility of scaling up such a scheme across the country.
Introducing such health insurance by all the universities may guide the nation toward large-scale group health insurance and social health insurance.
孟加拉国需要采取一些务实举措，以利用其巨大潜力来蓬勃发展健康保险。为大学生引入团体健康保险是孟加拉国迈向社会健康保险的一个开创性想法。本文研究了达卡大学健康经济研究所为大学生推出的健康保险举措对保险态度以及防范医疗保健支出财务风险的影响。
我们使用了管理信息系统（MIS）以及通过混合方法获得的原始数据。我们从对310名学生的基线调查和对151名学生的年终调查中收集了定量数据。我们使用双变量工具来分析数据。
结果表明，年终调查中对健康保险态度的平均得分（4.04）显著高于基线得分（3.21）。结果还表明，在年终调查中报告保险“有用”的学生比例（83.74%）显著高于基线调查（40.40%）。结果还反映出该计划对减少医疗保健的自付费用有重大影响，尤其是住院护理方面，并且对学生中医疗保健融资的焦虑也有影响。还有迹象表明该计划具有可持续性以及在全国范围内扩大规模的可行性。
所有大学引入此类健康保险可能会引导该国走向大规模团体健康保险和社会健康保险。
