Eliciting relative preferences for the attributes of health insurance schemes among rural consumers in India

Mohd Zuhair () and Ram Babu Roy ()
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Mohd Zuhair: Nirma University
Ram Babu Roy: Indian Institute of Technology Kharagpur

International Journal of Health Economics and Management, 2022, vol. 22, issue 4, No 4, 443-458

Abstract: Abstract There is a limited understanding of the preferences of rural consumers in India for health insurance schemes. In this article, we investigate the preferences of the rural population for the attributes of a health insurance scheme by implementing a discrete choice experiment (DCE). We identified six attributes through qualitative and quantitative study: enrollment, management, benefit package, coverage, transportation facility, and monthly premium. A D-efficient design of 18 choices has been constructed, each comprising two health insurance choices. We collected the representative sample from 675 household heads of the rural population through personal interviews. The preferences for the attributes and attribute levels were estimated using the multinomial logit (MNL) and random-parameter logit (RPL) models. The analysis shows that all attribute levels significantly affect the choice behavior (P

Keywords: Consumer preferences; Rural; Health insurance; Discrete choice experiment; Multinomial logit; Random-parameter logit (search for similar items in EconPapers)
JEL-codes: C1 (search for similar items in EconPapers)
Date: 2022
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DOI: 10.1007/s10754-022-09327-8

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