Households’ Willingness to Pay for Health Microinsurance and its Impact on Actual Take-up: Results from a Field Experiment in Senegal
研究塞内加尔社区健康保险参保率低的问题，测量家庭支付意愿并发现收入、财富和风险偏好是决定因素，且支付意愿正向影响实际参保。
Community-based health insurance schemes (CBHIS) have been present in the region of Theis, Senegal, for many years. Yet, despite the benefits they offer, take-up rates remain low. This article measures the willingness to pay (WTP) for CBHIS premiums in such a context; our results highlight the role of income, wealth and risk preferences as determinants of WTP. We also provide an analysis of the predictive power of WTP on the actual take-up of insurance following our offering of membership to a sample of 360 households. Results show that WTP has a positive and significant impact on actual CBHIS take-up.