Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India

Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e...
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Gespeichert in:

Autor*in:	Anugraha John [verfasserIn] Hari Teja Avirneni [verfasserIn] Sinthu Sarathamani Swaminathan [verfasserIn] Sivakumar Abhina [verfasserIn]

Format:	E-Artikel
Sprache:	Englisch

Erschienen:	2023

Schlagwörter:	catastrophic health expenditures health insurance out-of-pocket health expenditures

Übergeordnetes Werk:	In: MRIMS Journal of Health Sciences - Wolters Kluwer Medknow Publications, 2022, 11(2023), 4, Seite 259-264
Übergeordnetes Werk:	volume:11 ; year:2023 ; number:4 ; pages:259-264

Links:	Link aufrufen Link aufrufen Link aufrufen Journal toc Journal toc

DOI / URN:	10.4103/mjhs.mjhs_86_22

Katalog-ID:	DOAJ095809406

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520			\|a Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme.
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allfields	10.4103/mjhs.mjhs_86_22 doi (DE-627)DOAJ095809406 (DE-599)DOAJd9df326cf05f4d769ad53b7385e7f502 DE-627 ger DE-627 rakwb eng Anugraha John verfasserin aut Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme. catastrophic health expenditures health insurance out-of-pocket health expenditures Medicine R Hari Teja Avirneni verfasserin aut Sinthu Sarathamani Swaminathan verfasserin aut Sivakumar Abhina verfasserin aut In MRIMS Journal of Health Sciences Wolters Kluwer Medknow Publications, 2022 11(2023), 4, Seite 259-264 (DE-627)1807172678 23217294 nnns volume:11 year:2023 number:4 pages:259-264 https://doi.org/10.4103/mjhs.mjhs_86_22 kostenfrei https://doaj.org/article/d9df326cf05f4d769ad53b7385e7f502 kostenfrei http://www.mrimsjournal.com/article.asp?issn=2321-7006;year=2023;volume=11;issue=4;spage=259;epage=264;aulast=John kostenfrei https://doaj.org/toc/2321-7006 Journal toc kostenfrei https://doaj.org/toc/2321-7294 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_73 GBV_ILN_74 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_602 GBV_ILN_2014 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 11 2023 4 259-264
spelling	10.4103/mjhs.mjhs_86_22 doi (DE-627)DOAJ095809406 (DE-599)DOAJd9df326cf05f4d769ad53b7385e7f502 DE-627 ger DE-627 rakwb eng Anugraha John verfasserin aut Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme. catastrophic health expenditures health insurance out-of-pocket health expenditures Medicine R Hari Teja Avirneni verfasserin aut Sinthu Sarathamani Swaminathan verfasserin aut Sivakumar Abhina verfasserin aut In MRIMS Journal of Health Sciences Wolters Kluwer Medknow Publications, 2022 11(2023), 4, Seite 259-264 (DE-627)1807172678 23217294 nnns volume:11 year:2023 number:4 pages:259-264 https://doi.org/10.4103/mjhs.mjhs_86_22 kostenfrei https://doaj.org/article/d9df326cf05f4d769ad53b7385e7f502 kostenfrei http://www.mrimsjournal.com/article.asp?issn=2321-7006;year=2023;volume=11;issue=4;spage=259;epage=264;aulast=John kostenfrei https://doaj.org/toc/2321-7006 Journal toc kostenfrei https://doaj.org/toc/2321-7294 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_73 GBV_ILN_74 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_602 GBV_ILN_2014 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 11 2023 4 259-264
allfields_unstemmed	10.4103/mjhs.mjhs_86_22 doi (DE-627)DOAJ095809406 (DE-599)DOAJd9df326cf05f4d769ad53b7385e7f502 DE-627 ger DE-627 rakwb eng Anugraha John verfasserin aut Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme. catastrophic health expenditures health insurance out-of-pocket health expenditures Medicine R Hari Teja Avirneni verfasserin aut Sinthu Sarathamani Swaminathan verfasserin aut Sivakumar Abhina verfasserin aut In MRIMS Journal of Health Sciences Wolters Kluwer Medknow Publications, 2022 11(2023), 4, Seite 259-264 (DE-627)1807172678 23217294 nnns volume:11 year:2023 number:4 pages:259-264 https://doi.org/10.4103/mjhs.mjhs_86_22 kostenfrei https://doaj.org/article/d9df326cf05f4d769ad53b7385e7f502 kostenfrei http://www.mrimsjournal.com/article.asp?issn=2321-7006;year=2023;volume=11;issue=4;spage=259;epage=264;aulast=John kostenfrei https://doaj.org/toc/2321-7006 Journal toc kostenfrei https://doaj.org/toc/2321-7294 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_73 GBV_ILN_74 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_602 GBV_ILN_2014 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 11 2023 4 259-264
allfieldsGer	10.4103/mjhs.mjhs_86_22 doi (DE-627)DOAJ095809406 (DE-599)DOAJd9df326cf05f4d769ad53b7385e7f502 DE-627 ger DE-627 rakwb eng Anugraha John verfasserin aut Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme. catastrophic health expenditures health insurance out-of-pocket health expenditures Medicine R Hari Teja Avirneni verfasserin aut Sinthu Sarathamani Swaminathan verfasserin aut Sivakumar Abhina verfasserin aut In MRIMS Journal of Health Sciences Wolters Kluwer Medknow Publications, 2022 11(2023), 4, Seite 259-264 (DE-627)1807172678 23217294 nnns volume:11 year:2023 number:4 pages:259-264 https://doi.org/10.4103/mjhs.mjhs_86_22 kostenfrei https://doaj.org/article/d9df326cf05f4d769ad53b7385e7f502 kostenfrei http://www.mrimsjournal.com/article.asp?issn=2321-7006;year=2023;volume=11;issue=4;spage=259;epage=264;aulast=John kostenfrei https://doaj.org/toc/2321-7006 Journal toc kostenfrei https://doaj.org/toc/2321-7294 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_73 GBV_ILN_74 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_602 GBV_ILN_2014 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 11 2023 4 259-264
allfieldsSound	10.4103/mjhs.mjhs_86_22 doi (DE-627)DOAJ095809406 (DE-599)DOAJd9df326cf05f4d769ad53b7385e7f502 DE-627 ger DE-627 rakwb eng Anugraha John verfasserin aut Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India 2023 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme. catastrophic health expenditures health insurance out-of-pocket health expenditures Medicine R Hari Teja Avirneni verfasserin aut Sinthu Sarathamani Swaminathan verfasserin aut Sivakumar Abhina verfasserin aut In MRIMS Journal of Health Sciences Wolters Kluwer Medknow Publications, 2022 11(2023), 4, Seite 259-264 (DE-627)1807172678 23217294 nnns volume:11 year:2023 number:4 pages:259-264 https://doi.org/10.4103/mjhs.mjhs_86_22 kostenfrei https://doaj.org/article/d9df326cf05f4d769ad53b7385e7f502 kostenfrei http://www.mrimsjournal.com/article.asp?issn=2321-7006;year=2023;volume=11;issue=4;spage=259;epage=264;aulast=John kostenfrei https://doaj.org/toc/2321-7006 Journal toc kostenfrei https://doaj.org/toc/2321-7294 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_31 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_73 GBV_ILN_74 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_161 GBV_ILN_170 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_602 GBV_ILN_2014 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 11 2023 4 259-264
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author	Anugraha John
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topic_title	Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India catastrophic health expenditures health insurance out-of-pocket health expenditures
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title	Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India
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title_full	Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India
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author_browse	Anugraha John Hari Teja Avirneni Sinthu Sarathamani Swaminathan Sivakumar Abhina
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title_sort	determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in south india
title_auth	Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India
abstract	Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme.
abstractGer	Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme.
abstract_unstemmed	Background: The household spending for health care in terms of out-of-pocket expenditures (OOPEs) in India remains one of the highest in the world at around 55% of current health expenditures and 48% of total health expenditures. Hence, it becomes extremely important to explore the determinants, i.e., the factors leading to OOPE. Objectives: To explore the determinants of OOPE and the financial strategies undertaken by the households to cope up with OOPE. Methodology: A longitudinal study was conducted among chronic kidney disease (CKD) patients who availed care at a Tamil Nadu Chief Ministers Comprehensive Health Insurance Scheme empanelled health care facility. They recorded their OOPE over a period of 6 months in the hand-book provided to them. An interview schedule was administered at the end of 6 months, to explore the determinants of OOPE and coping strategies. Results: Among the sociodemographic characteristics, age and gender had an impact on OOPE. Females had higher OOPE (INR 10,100) when compared to that of males (INR 9360) and with increased age of more than 60 years, there was a dip in OOPE (<60-INR 11,072; <60-INR 10,100). The duration of current treatment has been another important determinant, whereas borrowings were the most predominant financial strategy to cope up with OOPE. Conclusion: Despite having the health insurance coverage sponsored by government, CKD patients had OOPE pertaining to the various aspects such as age, gender, comorbidities, and number of members in the household utilizing the scheme and the coverage amount under the scheme.
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title_short	Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India
url	https://doi.org/10.4103/mjhs.mjhs_86_22 https://doaj.org/article/d9df326cf05f4d769ad53b7385e7f502 http://www.mrimsjournal.com/article.asp?issn=2321-7006;year=2023;volume=11;issue=4;spage=259;epage=264;aulast=John https://doaj.org/toc/2321-7006 https://doaj.org/toc/2321-7294
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up_date	2024-07-03T16:44:30.626Z
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Determinants of out-of-pocket health care expenditures and financial coping strategies among beneficiaries of a state-run health insurance scheme in South India

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