Trust in the context of community-based health insurance schemes in Cambodia: Villagers’ trust in health insurers

Sachiko Ozawa and Damian G. Walker

A chapter in Innovations in Health System Finance in Developing and Transitional Economies, 2009, pp 107-132 from Emerald Group Publishing Limited

Abstract: Objective – To understand the role and influence of villagers’ trust for the health insurer on enrollment in a community-based health insurance (CBHI) scheme in Cambodia. Methodology/approach – This study was conducted in northwest Cambodia where a CBHI scheme operates with the highest enrollment rates in the country. A mixed method approach was employed to gauge how individuals in the community trust the health insurer, and whether this plays a role in their decisions to enroll in CBHI schemes. Focus groups and household surveys were carried out to identify and measure trust levels, and to explore the association between insurer trust and enrollment in CBHI schemes. Findings – Although villagers generally trusted the health insurance organization, villagers with poor experiences with other organizations in the past were less willing to trust the insurer. Insurer trust represented a combination of interpersonal and impersonal trust. After controlling for demographic factors, health care utilization, and household socio-economic status, insurer trust levels for villagers who newly enrolled (RRR=1.07, p

Date: 2009
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Persistent link: https://EconPapers.repec.org/RePEc:eme:aheszz:s0731-2199(2009)0000021008

DOI: 10.1108/S0731-2199(2009)0000021008

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