This study investigates whether microinsurers can help improve the quality of healthcare, and not just its price. Indian patients who had a caesarean section, appendectomy, hysterectomy, or abdominal hernia surgery were studied. The authors compare indicators of facility’s infrastructure, doctor’s qualification and knowledge, process of care, and patient satisfaction. Two thirds of insured patients contacted the insurer about their choice of provider. They are directed towards facilities that are part of the insurer’s network, which have better infrastructure than non-network facilities. Being insured, however, is not significantly associated with receiving better-quality care, even when controlling for several patient and facility characteristics.
The Financial Access Initiative