Rural Urban Differentials in Health Insurance Demand

Brijesh C Purohit
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Brijesh C Purohit: (Corresponding author), Madras School of Economics

Working Papers from Madras School of Economics,Chennai,India

Abstract: In this study an attempt is made to explore rural urban differentials in elasticity of health insurance demand in India. Both the Central and state governments have been trying to help people through their budgetary policies by providing state sponsored health insurance schemes. Keeping in view their efforts and rural urban disparities in the country, we have tried to make an attempt to evaluate whether the people have been provided appropriate information about these governmental policies and how the socio economic factors are influencing the individual household choices to adopt a particular type of health insurance scheme. This is based on latest National Family Health survey which provides health insurance demand data for rural and urban areas as well as aggregate level using household as units. Using logit model our results indicate that both in rural and urban areas these efforts have helped people to adopt suitable alternatives and the results indicate that socioeconomic factors and rising levels of income in urban areas relatively to rural areas have been reflected in more responsive nature of choices for different health insurance schemes. By contrast, though the impact of these factors is also significant in rural areas but with a lower elasticity of demand for health care insurance.

Keywords: health insurance schemes; India; rural areas; urban areas; Orissa; Tamil Nadu (search for similar items in EconPapers)
JEL-codes: H51 I13 (search for similar items in EconPapers)
Pages: 31 pages
Date: 2021-12
New Economics Papers: this item is included in nep-agr
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