MILK Brief #12: Doing the Math in Karnataka, India


MILK Brief #12: Doing the Math in Karnataka, India

The MILK project collaborated with Grameen Koota, a microfinance institution based in the State of Karnataka, India, to study its voluntary health insurance program. Clients receive low-cost inpatient coverage coupled with access to a broad range of discounted outpatient services. We explored some open questions about the value of health microinsurance by assessing how clients coped with a relatively common but serious health shock: high fevers that required inpatient care. While the study focuses on understanding the financial value of the product, it also reveals insights into the product’s service quality and into clients’ perceptions of the product and demand. We find that the insurance alleviated pressures on direct hospitalization costs, but indirect costs were still high, especially opportunity costs for women clients of Grameen Koota who did not own their land but worked as laborers or in trade.

File Name: MILK Brief #12 - Grameen Koota.pdf
File Type: application/pdf
Download: 847 times
Created Date: 07-18-2012
Author: Barbara Magnoni, Emily Zimmerman and Taara Chandani
Publisher: MicroInsurance Centre at Milliman

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