- What is the impact of health insurance on health care utilisation?
- What is the impact of health insurance on financial protection?
- What is the impact of health insurance on treatment outcomes and economic well-being?
Yeshasvini Co-operative Farmers Health Care Scheme (YCFHCS) is a quasi-state government run health scheme for cooperative farmers in Karnataka, India.
On a voluntary basis, the plan is open to all members of a cooperative society in the state of Karnataka for at least six months. Members may choose to enroll their spouse and children. There is no minimum age requirement for coverage; however, the maximum age requirement is 75.
For 2009-2010, the annual premium is Rs. 140/- (USD $3) with an additional Rs. 10/- (USD $0.22) service charge that the cooperative societies may choose to levy. Benefits include up to Rs. 2,00,000/- (USD $4,321) a year for defined surgical procedures, medical emergencies, maternity, and neonatal care. Additionally, the plan provides free outpatient care at participating hospitals.
Quasi-experimental: propensity score matching between programme participants (treatment group) and non-programme participants (comparison group).
The researchers households further categorized the treatment group into
- households which had member status at the time of the survey
- households which had renewed their membership for the past three years or more, and
- households which had membership at least once in the previous four years.
The researchers further divided the comparison group into cooperative households and non-cooperative