Employment Rank and the Choice of Health Insurance Benefit Scheme among Bangladeshi Civil Servants

Hamid Syed Abdul (), Begum Afroza (), Syed Ahsan (), Howlader Sushil Ranjan (), Uddin Azhar (), Rahman Taslima () and Rahman Md. Hafizur ()
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Hamid Syed Abdul: Professor, Institute of Health Economics, University of Dhaka, Dhaka 1000, Bangladesh
Begum Afroza: Assistant Professor, Department of Statistics, University of Chittagong, Chittagong 4331, Bangladesh
Howlader Sushil Ranjan: Professor, Institute of Health Economics, University of Dhaka, Dhaka 1000, Bangladesh
Uddin Azhar: Assistant Professor, Institute of Health Economics, University of Dhaka, Dhaka 1000, Bangladesh
Rahman Taslima: Associate Professor, Institute of Health Economics, University of Dhaka, Dhaka 1000, Bangladesh
Rahman Md. Hafizur: Additional Secretary, Ministry of Commerce, Government of Bangladesh, Dhaka 1000, Bangladesh

Asia-Pacific Journal of Risk and Insurance, 2022, vol. 16, issue 1, 81-122

Abstract: This study surveys 622 Bangladeshi civil servants of all administrative jurisdictions and elicits their preference for health insurance schemes. The latter vary in the amount of sum assured as well as in terms of premium sharing rules with the government. The paper also explores the financial burden that the premium subsidy may impose on the exchequer and the state’s fiscal capacity to shoulder it. We discover a very high willingness to join the scheme. Though all three premium-sharing options posit flat rates common for all employment ranks, respondents appear to prefer premiums proportional to their basic salary.

Keywords: choice of benefit schemes; health insurance; willingness to join; civil servants; Bangladesh (search for similar items in EconPapers)
JEL-codes: H41 H51 I11 I13 I18 (search for similar items in EconPapers)
Date: 2022
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DOI: 10.1515/apjri-2019-0020

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