Browsing by Author "Basri, S."

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    Awareness and Knowledge of Micro Health Insurance: A Case Study of Sampoorna Suraksha Programme in Karnataka, India
    (2012) Basri, S.; Kiran, K.B.
    Micro health insurance (MHI) is an innovative health financing mechanism that caters to the insurance need of the bottom of the pyramid in India to tackle the impoverishing effects of huge medical bills and mitigate iatrogenic poverty. This study was conducted to ascertain the knowledge and awareness on the scheme features of Sampoorna Suraksha Programme (SSP), a micro insurance programme initiated by SKDRDP (Sri Kshetra Dharmasthala Rural Development Project) in Karnataka, India. A descriptive study was conducted in three randomly selected districts namely Dakshina Kananda, Uttara Kannada and Gadag, in Karnataka. Primary data was collected using a questionnaire from the insured members of SSP adopting survey methodology. Our study affirms that insured members of SSP have different levels of knowledge and awareness on the various features of SSP. The results indicate that the degree of knowledge and awareness of the main features of SSP (benefits of package, excluded diseases and network hospitals) were more prevalent amongst members who have been renewing rather than the newly insured SSP members. We reiterate that such positive trends on knowledge and awareness were attributable to high income, educational level, and members living in more developed districts of Karnataka. © 2012 Indian Institute of Health Management Research.
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    Health seeking behavior in Karnataka: Does micro-health insurance matter?
    (2013) Basri, S.; Kiran, K.
    Background: Health seeking behaviour in the event of illness is influenced by the availability of good health care facilities and health care financing mechanisms. Micro health insurance not only promotes formal health care utilization at private providers but also reduces the cost of care by providing the insurance coverage. Objectives: This paper explores the impact of Sampoorna Suraksha Programme, a micro health insurance scheme on the health seeking behaviour of households during illness in Karnataka, India. Materials and Methods: The study was conducted in three randomly selected districts in Karnataka, India in the first half of the year 2011. The hypothesis was tested using binary logistic regression analysis on the data collected from randomly selected 1146 households consisting of 4961 individuals. Results: Insured individuals were seeking care at private hospitals than public hospitals due to the reduction in financial barrier. Moreover, equity in health seeking behaviour among insured individuals was observed. Conclusion : Our finding does represent a desirable result for health policy makers and micro finance institutions to advocate for the inclusion of health insurance in their portfolio, at least from the HSB perspective.