ARE THE POOR TOO POOR TO DEMAND HEALTH INSURANCE?

Rajeev Ahuja and Johannes Paul Jutting

No 25821, 2003 Annual Meeting, August 16-22, 2003, Durban, South Africa from International Association of Agricultural Economists

Abstract: Community based micro insurance has aroused much interest and hope in meeting health care challenges facing the poor. In this paper we explore how institutional rigidities such as credit constraints impinge on demand for health insurance and how insurance could potentially prevent poor households from falling into poverty trap. In this setting, we argue that the appropriate public intervention in generating demand for insurance is not to subsidise premium but to remove these rigidities (easing credit constraint in the present context). Thus from insurance perspective as well, our analysis highlights the importance of having appropriate savings and borrowing instruments for the poor.

Keywords: Food Security and Poverty; Health Economics and Policy (search for similar items in EconPapers)
Pages: 10
Date: 2003
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Persistent link: https://EconPapers.repec.org/RePEc:ags:iaae03:25821

DOI: 10.22004/ag.econ.25821

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