HEALTH INSURANCE AND DETERMINANT OF INPATIENT OUT OF POCKET HEALTH EXPENDITURE IN INDIA.

This paper examines the effect of health insurance on out of pocket (OOP) health expenditure and determinant of the OOP health expenditure in India, using the 71st round of NSSO national representative from India on Social Consumption: Health. This study uses the multivariate regression model to analyse the determinant of OOP health expenditure. The study found that the coverage of government-provided health insurance is higher than private health insurance. Moreover, the study further reveals that average OOP is lower among patient with insurance in general and particularly the lowest among the government covered insurance inpatient. Finally, the study conclude that health insurance had reduced the OOP inpatient health expenditure in India. Last, study found that patients with household arrange health insurance have lowest OOP health expenditure as compared to patients without health insurance. [ABSTRACT FROM AUTHOR]