Institute for Health Systems Research, Centre of Health Economics Research, National Institutes of Health, Ministry of Health Malaysia, Shah Alam, Selangor, Malaysia.
Institute for Health Systems Research, National Institutes of Health, Centre of Health Policy Research, Ministry of Health Malaysia, Shah Alam, Selangor, Malaysia.
PLoS One. 2024 Oct 9;19(10):e0311815. doi: 10.1371/journal.pone.0311815. eCollection 2024.
Cancer patients often grapple with substantial out-of-pocket (OOP) expenses and productivity loss, with the ramifications being particularly crucial for lower-income households. This study aims to estimate OOP costs incurred by cancer patients, assess their productivity loss, and analyse the financial coping mechanisms employed by individuals within the lower-income bracket. The study employed face-to-face interviews among cancer patients aged 40 years and above, currently undergoing treatment, and belonging to the lower-income group. Participants were recruited from six public cancer referral hospitals. OOP expenses, encompassing medical and non-medical costs, along with productivity loss, were measured. A generalized linear model was applied to identify potential OOP determinants. Additionally, the coping mechanisms employed by individuals to finance their cancer OOP expenses were also determined. Among the 430 participants recruited, predominantly female (63.5%), and aged 60 or older (53.9%). The annual mean total cancer costs per patient were US$ 2,398.28 (±2,168.74), including 15% for medical costs US$ 350.95 (±560.24), 34% for non-medical costs US$820.24 (±818.24), and 51% for productivity loss costs US$1,227.09 (±1,809.09). Transportation, nutritional supplements, outpatient treatment, and medical supplies were notable cost contributors to total OOP expenditures. Ethnicity (β = 1.44; 95%CI = 1.15-1.79), household income (β = 1.40; 95%CI = 1.10-1.78), annual outpatient visits (β = 1.00; 95%CI = 1.00-1.01), age (β = 0.74; 95%CI = 0.56-0.98), and employment status (β = 0.54; 95%CI = 0.72-1.34) were identified as significant predictors of OOP costs among cancer patients. Notably, 91% of participants relied on household salaries and savings, while 15% resorted to interest-free borrowing, 11% sold possessions, and 0.5% borrowed with interest to finance their expenses. This study offers crucial insights into the economic impact of cancer on individuals and their families, providing policymakers with valuable information to tackle challenges faced in their journey. Despite substantial public healthcare subsidies, the study revealed that cancer costs can remain a potential barrier to accessing essential treatment. Therefore, there is a need for reinforced system-level infrastructure to facilitate targeted financial navigation services.
癌症患者常常面临巨额自付费用和生产力损失,对于低收入家庭来说,这些影响尤为关键。本研究旨在估算癌症患者的自付费用,评估其生产力损失,并分析低收入群体个体所采用的财务应对机制。研究采用面对面访谈的方式,对年龄在 40 岁及以上、正在接受治疗且属于低收入群体的癌症患者进行调查。参与者从六家公立癌症转诊医院招募。衡量了自付费用(包括医疗和非医疗费用)和生产力损失。应用广义线性模型来确定潜在的自付费用决定因素。此外,还确定了个体用于为癌症自付费用提供资金的应对机制。在 430 名被招募的参与者中,主要是女性(63.5%),年龄在 60 岁或以上(53.9%)。每位患者的年平均癌症总费用为 2398.28 美元(±2168.74 美元),其中 15%为医疗费用 350.95 美元(±560.24 美元),34%为非医疗费用 820.24 美元(±818.24 美元),51%为生产力损失费用 1227.09 美元(±1809.09 美元)。交通、营养补充剂、门诊治疗和医疗用品是总自付费用的主要费用来源。种族(β=1.44;95%CI=1.15-1.79)、家庭收入(β=1.40;95%CI=1.10-1.78)、年门诊就诊次数(β=1.00;95%CI=1.00-1.01)、年龄(β=0.74;95%CI=0.56-0.98)和就业状况(β=0.54;95%CI=0.72-1.34)被确定为癌症患者自付费用的显著预测因素。值得注意的是,91%的参与者依赖家庭工资和储蓄,15%的参与者选择无息借款,11%的参与者出售财产,0.5%的参与者借款支付利息。本研究深入了解了癌症对个人及其家庭的经济影响,为政策制定者提供了宝贵的信息,以应对他们在这一过程中面临的挑战。尽管有大量的公共医疗补贴,但研究表明,癌症费用仍然可能成为获得基本治疗的潜在障碍。因此,需要加强系统层面的基础设施,以促进有针对性的财务导航服务。