Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/250574 
Year of Publication: 
2021
Series/Report no.: 
IZA Discussion Papers No. 14913
Publisher: 
Institute of Labor Economics (IZA), Bonn
Abstract: 
We report on a large randomized controlled trial of hospital insurance for above-poverty-line Indian households. Households were assigned to free insurance, sale of insurance, sale plus cash transfer, or control. To estimate spillovers, the fraction of households offered insurance varied across villages. The opportunity to purchase insurance led to 59.91% uptake and access to free insurance to 78.71% uptake. Access increased insurance utilization. Positive spillover effects on utilization suggest learning from peers. Many beneficiaries were unable to use insurance, demonstrating hurdles to expanding access via insurance. Across a range of health measures, we estimate no significant impacts on health.
Subjects: 
health insurance
health
randomized controlled trial
spillovers
JEL: 
O10
I13
Document Type: 
Working Paper

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