Protección financiera en salud: evolución y comparación del gasto de bolsillo de los hogares chilenos / Financial protection for health care expenses provided by public and private systems in Chile

Background: People need a financial protection system to face the high costs of health care. Aim: To compare the financial protection between households affiliated to the Chilean public health financing system (FONASA) or to a private health financing system (ISAPRE). To describe the evolution of protection at the national level between 2007 and 2012. Material and Methods: As proposed by the World Bank, impact indicators to measure the equity and efficiency of the insurance systems were generated. Namely, average out-of-pocket expenses by insurance and average out-of-pocket spending as a percentage of expenditure. Also, the evolution of out-of-pocket spending by quintiles and Gini Coefficient were measured as measure of equity. To determine these, Family Budget Surveys for 2007 and 2012 were used. Results: Household out-of-pocket spending increased by 14.12%. When expressed as a percentage of total expenditure, it grew from 5.6% to 6.2%. Household Gini coefficient and per capita out-of-pocket spending decreased and the ratio between the highest and lowest quintile out-of-pocket increased at both analysis levels. Pocket expense in absolute values or expressed as a percentage of total expenses was higher among persons insured in private systems than those affiliated to the public financing service. Conclusions: Out-of-pocket spending increased for all income groups and people insured in the public system had a lower absolute and relative spending than those insured in private systems.

Equity in out-of-pocket payment in Chile

ABSTRACT OBJECTIVE To assess the distribution of financial burden in Chile, with a focus on the burden and progressivity of out-of-pocket payment. METHODS Based on the principle of ability to pay, we explore factors that contribute to inequities in the health system finance and issues about the burden of out-of-pocket payment, as well as the progressivity and redistributive effect of out-of-pocket payment in Chile. Our analysis is based on data from the 2006 National Survey on Satisfaction and Out-of-Pocket Payments. RESULTS Results from this study indicate evidence of inequity, in spite of the progressivity of the healthcare system. Our analysis also identifies relevant policy variables such as education, insurance system, and method of payment that should be taken into consideration in the ongoing debates and research in improving the Chilean system. CONCLUSIONS In order to reduce the detected disparities among income groups, healthcare priorities should target low-income groups. Furthermore, policies should explore changes in the access to education and its impact on equity.

Disposición a pagar por vacunas contra el virus papiloma humano en la Región Metropolitana de Santiago de Chile / Willingness to pay for human papillomavirus vaccine in Metropolitan Santiago, Chile

Background: Human papillomavirus (HPV) infection is a risk factor for cervical cancer and can be prevented with the HPV vaccine. Aim: To explore the willingness of parents to pay for HPV vaccine for their offspring. Material and Methods: A survey about the willingness to pay for HPV vaccine was answered by 386 individuals of the highest socioeconomic level who had a daughter aged between 12 and 18 years. The survey included information about the risks of HPV infection. Results: Parents would pay a mean of US$ 758 for the vaccine. Twenty five percent of parents were not willing to pay for it. If the cost of the vaccine would be reduced by 50%, only 4% of parents would not pay for it. The willingness to pay is associated with the price of the vaccine, the income level of respondents and the size of the family. Conclusions: Most respondents would pay for HPV vaccine for their daughters, despite the relatively high cost.

Desigualdades socioeconômicas nos gastos e comprometimento da renda com medicamentos no Sul do Brasil / Socioeconomic inequalities in expenditures and income committed to the purchase of medicines in Southern Brazil / Desigualdades socioeconómicas en los gastos y comprometimiento de la renta con medicamentos en el Sur de Brasil

OBJETIVO: Descrever as desigualdades socioeconômicas referentes ao uso, gastos e comprometimento de renda com a compra de medicamentos. MÉTODOS: Estudo transversal de base populacional com 1.720 adultos de área urbana de Florianópolis, SC, em 2009. Realizou-se a seleção da amostra por conglomerados e as unidades primárias foram os setores censitários. Investigou-se o uso de medicamentos e os gastos com sua compra nos 30 dias anteriores, por meio de entrevista. Uso, gasto e comprometimento de renda devido a medicamentos foram analisados segundo a renda familiar per capita, a cor da pele auto-referida, idade e o sexo dos indivíduos, ajustado para amostra complexa. RESULTADOS: A prevalência de uso de medicamentos foi de 76,5 por cento (IC95 por cento: 73,8;79,3), maior entre as mulheres e naqueles com maior idade. A média de gastos com medicamentos foi igual a R$ 46,70, com valores mais elevados entre as mulheres, os brancos, os com idade mais elevada e entre os mais ricos. Enquanto 3,1 por cento dos mais ricos comprometeram mais de 15 por cento de seus rendimentos na compra de medicamentos, esse valor chegou a 9,6 por cento nos mais pobres. A proporção de pessoas que tiveram de comprar medicamentos após tentativa fracassada de obtenção pelo Sistema Único de Saúde foi maior entre os mais pobres (11,0 por cento), mulheres (10,2 por cento) e naqueles com maior idade (11,1 por cento). Grande parte dos adultos comprou medicamentos contidos na Relação Nacional de Medicamentos Essenciais (19,9 por cento) ou na Relação Municipal de Medicamentos Essenciais (28,6 por cento), com diferenças significativas segundo sexo, idade e renda. CONCLUSÕES: Existe desigualdade socioeconômica, de idade e de gênero no comprometimento de renda com a compra de medicamentos, com piores condições para os mais pobres, os de maior idade e para as mulheres.

OBJECTIVE: To describe socioeconomic inequalities regarding the use, expenditures and the income committed to the purchase of medicines. METHODS: A cross-sectional population-based study was carried out with 1,720 adults living in the urban area of Florianópolis, Southern Brazil, in 2009. Cluster sampling was adopted and census tracts were the primary sampling units. Use of medicines and the expenditures incurred in their purchase in the past 30 days were investigated through interviews. Use, expenditures and the income committed concerning medicines were analyzed according to per capita family income, self-reported skin color, age and sex, adjusting for the complex sample. RESULTS: The prevalence of medicine use was 76.5 percent (95 percentCI: 73.8; 79.3), higher among women and in older individuals. The mean expenditure on medicine was R$ 46.70, with higher values among women, whites, older individuals and among richer people. While 3.1 percent of the richest committed more than 15 percent of their income to purchasing medicine, that figure reached 9.6 percent in the poorest group. The proportion of people that had to buy medicines after an unsuccessful attempt to obtain them in the public health system was higher among the poor (11.0 percent), women (10.2 percent) and the elderly (11.1 percent). A large part of the adults bought medicines contained in the National List of Essential Medicines (19.9 percent) or in the Municipal List of Essential Medicines (28.6 percent), with significant differences according to gender, age and income. CONCLUSIONS: There is socioeconomic, age and gender inequality in the income committed to the purchase of medicines, with worse conditions for the poor, older individuals and women.

OBJETIVO: Describir las desigualdades socioeconómicas relacionadas con el uso, gastos y comprometimiento de la renta con la compra de medicamentos. MÉTODOS: Estudio transversal de base poblacional con 1.720 adultos de área urbana de Florianópolis, Sur de Brasil en 2009. Se realizó la selección de la muestra por conglomerados y las unidades primarias fueron los sectores censitarios. Se investigó el uso de medicamentos y los gastos con su compra en los 30 días anteriores, por medio de entrevista. Uso, gasto y comprometimiento de renta debido a medicamentos fueron analizados según la renta familiar per capita, el color de la piel auto-referida, edad y el sexo de los individuos, ajustado para muestra compleja. RESULTADOS: La prevalencia del uso de medicamentos fue de 76,5 por ciento (IC95 por ciento:73,8;79,3), mayor entre las mujeres y en aquellos con edad avanzada. El promedio de gastos con medicamentos fue igual a R$ 46,70, con valores más elevados entre las mujeres, los blancos, los de edad más elevada y entre los más ricos. Mientras que 3,1 por ciento de los más ricos comprometieron más de 15 por ciento de sus rendimientos en la compra de medicamentos, ese valor llegó a 9,6 por ciento en los más pobres. La proporción de personas que tuvieron que comprar medicamentos posterior al intento fracasado de obtenerlos por el Sistema Único de Salud fue mayor entre los más pobres (11,0 por ciento), mujeres (10,2 por ciento) y en aquellos con edad avanzada (11,1 por ciento). Gran parte de los adultos compró medicamentos ubicados en la Relación Nacional de Medicamentos Esenciales (19,9 por ciento) o en la Relación Municipal de Medicamentos Esenciales (28,6 por ciento), con diferencias significativas según sexo, edad y renta. CONCLUSIONES: Existe desigualdad socioeconómica, de edad y de género en el comprometimiento de renta con la compra de medicamentos, con peores condiciones para los más pobres, los de edad avanzada y para las mujeres.

Equity and accessibility in health? Out-of-pocket expenditures on health care in middle income countries: evidence from Mexico / ¿Equidad y accesibilidad en salud? Gasto personal de los usuarios en países de ingresos medios: evidencias desde México

This study analyzes the results of a cross-sectional survey which set out to determine the costs to patients of searching for and receiving health care in public and private institutions. The information analyzed was obtained from the study population of the Mexican National Health Survey. The dependent variable was the out-of-pocket users' costs and the independent variables were the insurance conditions, type of institution and income. The empirical findings suggest that there is a need for a more detailed analysis of user costs in middle income countries in general, where the health system is based on social security, public assistance and private institutions. This study shows that the out of pocket costs faced by users are inequitable and fall disproportionately upon socially and economically marginalized populations.

Se presentan los resultados de un estudio transversal, cuyo principal objetivo fue determinar los costos personales de los usuarios en el proceso de búsqueda, obtención y seguimiento de la atención a la salud en instituciones públicas y privadas del sistema mexicano de salud. La información fue obtenida de la Encuesta Nacional de Salud de México. La variable dependiente se refirió a los costos personales de los usuarios y como variables independientes se definieron la condición de aseguramiento, tipo de institución e ingreso económico. Los resultados sugieren que en países de ingresos medios los costos a los usuarios de servicios de salud requieren de un análisis muy detallado, ya que el sistema de salud esta fragmentado en asistencia pública, seguridad social y asistencia privada. Este estudio muestra evidencias de cómo los costos a los usuarios afectan de manera inequitativa a familias de menor ingreso y de mayor marginación social.

Medical expenditure and rural impoverishment in China.

Thanks to continued economic growth and increasing income, the overall poverty rate has been on the decline in China. However, due to escalating medical costs and lack of insurance coverage, medical spending often causes financial hardship for many rural families. Using data from the 1998 China National Health Services Survey, the impact of medical expenditure on the poverty headcount for different rural regions was estimated. Based on the reported statistics on income alone, 7.22% of the whole rural sample was below the poverty line. Out-of-pocket medical spending raised this by more than 3 percentage points. In other words, medical spending raised the number of rural households living below the poverty line by 44.3%. Medical expenditure has become an important source of transient poverty in rural China.

Gasto de hogares durante la hospitalización de menores derechohabientes, con diagnóstico de leucemia, en dos hospitales en México / Out-of-pocket expenditures during hospitalization of young leukemia patients with state medical insurance in two Mexican hospitals

OBJETIVO: Estimar el gasto de los hogares durante la primera hospitalización en 51 menores de 15 años de edad con leucemia, atendidos en dos hospitales del Instituto Mexicano del Seguro Social, en México durante 1997. MATERIAL Y MÉTODOS: Estudio transversal hecho en 1997 en el Distrito Federal y en León, Guanajuato. Se aplicó un cuestionario a los padres de 51 menores de 15 años de edad con diagnóstico de leucemia, hospitalizados por primera vez, en dos unidades del Instituto Mexicano del Seguro Social. Se capturó la información de los costos directos e indirectos enfrentados por los hogares durante esa primera hospitalización. Se aplicó el Indice de Precios al Consumidor (1997-2002) para expresar las estimaciones en precios de 2002. Se estimaron indicadores de gasto promedio y gastos catastróficos. Se establecieron los factores asociados, mediante un modelo de regresión lineal, utilizando el gasto total durante la hospitalización como variable dependiente. RESULTADOS: El costo promedio por paciente hospitalizado es de 7 318 pesos. El 86 por ciento corresponde a gastos asociados con la atención y 14 por ciento a costos indirectos. Para 14 por ciento de los hogares este gasto fue catastrófico. En 47 por ciento de los casos la erogación rebasó 100 por ciento de su ingreso disponible durante el periodo. Estos gastos se asociaron con lugar de residencia, nivel de ingreso y tipo de seguro. CONCLUSIONES: Ser derechohabiente de la seguridad social reduce los gastos de bolsillo por atención directa de los pacientes, pero no reduce los gastos complementarios, que pueden resultar onerosos para una elevada proporción de hogares. El costo de la primera hospitalización significó, en más de la mitad de los casos estudiados, el consumo de los ahorros, el endeudamiento o la venta de propiedades de los hogares, y dificultó la continuidad del tratamiento

Gender differences in healthcare-seeking during common illnesses in a rural community of West Bengal, India.

This follow-up observational study examined gender disparities in seeking healthcare and in home management of diarrhoea, acute respiratory infections, and fever among 530 children (263 boys and 267 girls) aged less than five years in a rural community of West Bengal, India, from June 1998 to May 1999. Of 790 episodes detected by a weekly surveillance, 380 occurred among boys and 410 among girls. At the household level, girls were less likely to get home fluids and oral rehydration solutions (ORS) during diarrhoea. Qualified health professionals were consulted more often (p = 0.0094) and sooner for boys than for girls (8.3 +/- 4.5 hours vs 21.2 +/- 9.5 hours), for which parents also travelled longer distances (3.3 km for boys vs 1.6 km for girls). Expenditure per treated episode (Rs 76.76 +/- 69.23 in boys and Rs 44.73 +/- 67.60 in girls) differed significantly (p = 0.023). Results of logistic regression analysis showed that chance of spending more money was 4.2 [confidence interval (CI) 1.6-10.9] times higher for boys. The boys were 4.9 (CI 1.8-11.9) times more likely to be taken early for medical care and 2.6 (CI 1.2-6.5) times more likely to be seen by qualified allopathic doctors compared to girls. Persistence of gender disparities calls for effective interventions for correction.

Out-of-pocket expenditure on healthcare in a north Indian village.

BACKGROUND: Information on healthcare expenditure at the family or household level is important for the planning and management of health services. It is particularly relevant for health insurance agencies to estimate the amount of premium for initiating a universal health insurance system. METHODS: Of 800 families in a village, 160 were selected by systematic random sampling. Of these, 156 families were followed up for a period of 12 months (September 1998 to August 1999) by making monthly visits. Responses from each family, as given by the head of the family, were recorded with the help of an interview schedule administered in the local language. The interview schedule covered any morbidity among the family members in the past one month and the out-of-pocket expenditure incurred on the same. RESULTS: The private health sector was utilized in 59.4% of total episodes. Utilization of the private sector was directly associated with a higher socioeconomic status (p = 0.002). Of the total expenditure on non-hospitalized cases, 83.6% was incurred in the private sector. The mean per capita annual out-of-pocket expenditure on health was Rs 131. The median expenditure per episode was Rs 15. CONCLUSION: Our study shows that out-of-pocket expenditure is more than the government expenditure on health. There is a need for systems such as health insurance to protect the poor from high medical costs.

Atención médica en siete ciudades chilenas / Medical care in 7 Chilean cities

A random sample of 951 dwellings with 4.192 people was selected and studied three times, in 1995 and 1996. All health events (acute and chronic disease episodes, accidents, health examinations, dental care) and the main features of medical care were registered in the interviews which coverd a 2-week period each time. Half of sick people received medical care and the rest was managed with self care techniques. Sixty nine percent of subjects with acute diseases received medical care, compared to 32 percent of those with chronic diseases. The National Health Fund (FONASA) financed most of these medical attentions, half of these were done in private centers and the rest in public premises. Private centers took care of 71 percent of acute patients, 48 percent of chronic patients and 27 percent of health controls. The proportion of private care in different cities paralleled the income of their populations. An estimation of 3.5 medical attentions per capita per year in these cities can be reached. Health care was considered very good by 33 percent of patients, as good by 55 percent, as regular by 9 percent and as deficient by 3 percent. Quality of care of private centers was perceived as better than that of public centers. Eighty five percent of sick people that did not seek medical care, did so due to the mildness of their aliments. People had to afford a mean of US$ 30 per episode of acute disease. US$ 32 per episode of chronic disease and US$ 56 per each dental attention. Two thirds of patients with acute diseases and one third of patients with chronic diseases received medical care during the study period