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- W2184901677 abstract "The need for risk-management solutions is undisputed by policy makers, who are aware that poor families can lose - in a matter of hours - assets that took years to accumulate, due to a sudden sickness or accident. The policy to provide free primary care and to a certain degree secondary care is positive step and could effectively help to reduce financial exposure of Nepal’s poor when the policy is implemented and functional on large scale. But even if this would succeed, only a part of the vulnerability is reduced: the poor still have to pay for services not covered under this policy, such as certain hospitalization cases, the transportation to health care providers, wage-loss – to name a few. The poor households currently need to finance huge amounts of health expenses (out of pocket expenditure) which are over and above their current income(s) and savings. They therefore need to resort to multiple sources of financing, of which a major source is borrowing (in 53% of the hospitalization episodes). Even such a source exposes large scale vulnerability of poor households as they have to borrow under unfavorable conditions due to their circumstance. There is a simple and proven tool to reduce the vulnerability to the financial consequences of ill health: insurance. Unlike the burden of financing huge health expenses from current income or through borrowing, insurance uses a solidarity mechanism and spreads the costs of illness over many households. It thus reduces the burden on the effected household. Furthermore, insurance converts unpredictable health expenses into predictable costs in form of health insurance premiums. This makes financial planning for households much easier and reduces the need to borrow money in an emergency situation at unfavorable rates. This paper discusses the financial vulnerability which poor households in Nepal need to face with respect to costs incurred due to ill health. It then goes on to explain how Microinsurance can act as a tool to reduce this vulnerability." @default.
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- W2184901677 date "2010-01-01" @default.
- W2184901677 modified "2023-09-27" @default.
- W2184901677 title "Microinsurance as a Tool to Reduce Vulnerability due to Costs of Ill-Health 1" @default.
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