- Is there any evidence of adverse selection in the insurance market in developing countries?
- Does access to health insurance increase risk-taking behavior?
- Does access to health insurance improve the health status of beneficiaries?
- Does formal insurance crowd-out informal insurance arrangements?
The Philipine Health Insurance Corporation (PhilHealth) is the Philipine's national health insurance program.
Green Bank, Inc. is a large private rural bank with operations predominantly in Mindanao and the Visayas regions of the Philippines. Through a microfinance unit established in 1999, Green Bank lends capital to poor rural and semi-urban micro-entrepreneurs. Green Bank participates in the Kalusugan Sigurado at Abot-kaya sa PhilHealth Insurance (KaSAPI) initiative, where PhilHealth partners with local microfinance institutions to extend access to its health insurance scheme.
This health insurance scheme has a premium of 300 Philippine pesos (about USD $6) per quarter. Its benefits include
- Hospitalization: 45 days of subsidized hospital room and board benefits per calendar year
- Subsidized hospital and doctor services
- Maternity care: coverage for pre-natal care, delivery, room and board, drugs and medicine, operating room services, care of newborn, postpartum care, family planning, and other necessary medical care
- Other benefits (with some restrictions): newborn care, most eye surgeries, organ transplant, SARS treatment, TB DOTS outpatient coverage, dialysis, and emergency cases.
Sample size: Approximately 4,000 existing clients in the bank's individual-liability lending program and clients from 350 group-liability centers
- Household surveys
- Administrative data