ABSTRACT
bjetivo: identificar el porcentaje de hogares cuyos desembolsos por concepto del gasto de bolsillo pueden llegar a constituirse en una catástrofe financiera (30 o 40%del ingreso familiar).Métodos:se utiliza el módulo de Equidad y Protección Financiera del software ADePT, del Grupo de Investigación y Desarrollo del Banco Mundial, así como una serie de rutinas programables que replican la metodología de análisis del gasto catastrófico del estudio desarrollado por Knaul, Wong, y Arreola-Ornelas (2012).Resultados: la incidencia de gasto catastrófico se incrementó levemente al pasar de un 0.6 % de los hogares en el año 2004 a un 0.8 % en el 2013.Conclusiones:la incidencia del gasto catastrófico en salud de los hogares costarricenses no representa un problema para el sistema de salud costarricense, pero es un aspecto que debe focalizarse a sus características estructurales.
bjetive: Identify the percentage of households whose out-of-pocket expenditures turn out to be a financial catastrophe (thirty to forty percent of household income).Methods: The World Bank's Research and Development Group Equity and Financial Protection module ADePT software is used along with a series of programmable routines that replicate the catastrophic expenditure analysis methodology of the study developed by Knaul, Wong, and Arreola-Ornelas (2012).Results: The incidence of catastrophic expenditure increased slightly from 0.6 percent of households in 2004 to 0.8 percent in 2013.Conclusions: The incidence of catastrophic health expenditure in Costa Rican households is not a problem for the Costa Rican health system, but the concern should be issue targeted.
ABSTRACT
Objective: To explore the effect of health insurance on consumption for rural and urban households. Methods: Using empirical study with the method of quasi-social experiment. Results: Households with health insurance have more consumption than those without health insurance. The higher the coverage of family health insurance improves, the more effects medical insurance would encourage family consumption. Meanwhile, the marginal effect of health insurance on rural households ’ consumption is much bigger than that of urban households. Conclusion: Through enhancing households’ risk tolerance, health insurance reduces households’ precautionary saving motivation and impels to increase the current consumption.
ABSTRACT
Objective: To study the impact of basic medical insurance on household consumption. Methods: According to the panel data of the east, central and west regions from 2002 to 2011, time and entity fixed effect model (Two-way FE) is established to test the relationship between the basic medical insurance and household consumption. Results: The basic medical insurance has significant positive effects on consumption, the consumption increased 10%, 16% and 19% in regions of East, Middle and West, respectively. Conclusion: The construction and improvement of the social medical insurance system improve the growth of the consumption, and the government should enhance the security, and consider the regional differences at the same time.