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JOURNAL ARTICLE

The impact of health insurance on out-of-pocket expenditure on delivery in Indonesia

Toshiaki Aizawa
Health Care for Women International 2019 April 15, : 1-22
30985260
In this study, we estimate the effects of health insurance on the out-of-pocket expenditure on health care for maternal delivery in Indonesia. Distinguishing between the types of health insurance, we explore heterogeneity in the size of the impact of noncontributory insurance for poor households vis-à-vis contributory insurance for nonpoor households. We find that noncontributory insurance and contributory insurance reduce the average out-of-pocket expenditure by 1,136,966 IDR ( <mml:math xmlns:mml="http://www.w3.org/1998/Math/MathML"&gt; <mml:mi>p</mml:mi> <mml:mo><</mml:mo> <mml:mn>0.01</mml:mn> </mml:math> ) and 676,402 IDR ( <mml:math xmlns:mml="http://www.w3.org/1998/Math/MathML"&gt; <mml:mi>p</mml:mi> <mml:mo><</mml:mo> <mml:mn>0.05</mml:mn> </mml:math> ), respectively. Also, larger impacts of noncontributory insurance and contributory insurance are found at the right tail of the distribution.

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