The data used in this paper is drawn from household surveys conducted between March and May 2010 in Kanpur Dehat and Pratapgarh districts in Uttar Pradesh and in Vaishali district in Bihar.6 As mentioned above, these baseline surveys preceded the implementation of three CBHI schemes which offered insurance to targeted households.7 The target group consisted of 3686 SHG households (1284 in Pratapgarh, 1039 in Kanpur Dehat and 1363 in Vaishali) representing 21,366 individuals. All targeted households were surveyed. The primary respondents were the SHG members themselves or the head of the household, if the member was unavailable. Information on other household members was collected from the primary respondents.8 While the survey gathered information on a wide range of socio-demographic and economic characteristics, of particular interest is the detailed information collected on health status, self-reported symptoms experienced during the four weeks preceding the survey for outpatient care and one year for inpatient care, and choice of provider. Respondents who reported an illness were asked whether they sought care, and if so, from which type of provider. Data pertaining to the following pre-selected providers were collected: traditional healers, priests, pharmacists, NDAPs, nurses, qualified private doctors, qualified public doctors, specialist public doctors, specialist private doctors and ‘others’.9 Outpatient episodes were separated into acute or chronic.10 For chronic illnesses, information was gathered on the most recent visit; for acute illnesses, information was gathered for up to three illnesses and three visits per illness in the four weeks preceding the survey. While we have data on multiple illnesses and multiple visits, the analysis deals mainly with choice of healthcare provider for the first illness and the first visit, as most individuals (98 %) experienced only a single illness during the four-week period. While there are repeat-visits for the same illness, the number of cases is not as large as the first visit and perhaps more importantly, as will be discussed later, the choice of provider does not vary substantially in subsequent visits. In the case of inpatient care the survey enquired whether any household member had been hospitalized in the 12 months preceding the survey.
Consistent with the existing literature, the probability of healthcare use and the choice of provider are modelled as functions of individual and household level covariates [19 (link), 20 , 24 (link)]. The individual characteristics include the respondent’s demographics, educational attainment, occupational status and self-reported health status. For models related to acute illnesses, we use the socioeconomic characteristics of the household head, since a substantial proportion of the sample consists of children (41 %). We control for the nature of the respondent’s illness by including a set of self-reported symptom variables and health status is measured by the generic quality of life variable (EQ5D) which contains information on five dimensions of health: mobility, self-care, pain, ability to perform usual activities and mental health status. The scores from each question are converted into an index that is increasing in health and ranges between −1 to +1 using the procedure suggested by Dolan [25 (link)]. As these questions were administered only to individuals older than 12 years, the EQ5D measure is only used while modelling the probability of obtaining care for chronic conditions which is estimated only for respondents older than 12. Household level covariates include household size and gender of the household head, whether a household belongs to a scheduled tribe or caste and household socioeconomic status as captured by (the log of) per capita consumption.11
Consistent with the existing literature, the probability of healthcare use and the choice of provider are modelled as functions of individual and household level covariates [19 (link), 20 , 24 (link)]. The individual characteristics include the respondent’s demographics, educational attainment, occupational status and self-reported health status. For models related to acute illnesses, we use the socioeconomic characteristics of the household head, since a substantial proportion of the sample consists of children (41 %). We control for the nature of the respondent’s illness by including a set of self-reported symptom variables and health status is measured by the generic quality of life variable (EQ5D) which contains information on five dimensions of health: mobility, self-care, pain, ability to perform usual activities and mental health status. The scores from each question are converted into an index that is increasing in health and ranges between −1 to +1 using the procedure suggested by Dolan [25 (link)]. As these questions were administered only to individuals older than 12 years, the EQ5D measure is only used while modelling the probability of obtaining care for chronic conditions which is estimated only for respondents older than 12. Household level covariates include household size and gender of the household head, whether a household belongs to a scheduled tribe or caste and household socioeconomic status as captured by (the log of) per capita consumption.
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