Building Awareness to Health Insurance among the Target population of Community-Based Health Insurance Schemes in Rural India

To evaluate an insurance awareness campaign carried out before the launch of three community-based health insurance (CBHI) schemes in rural India, answering the questions: Has the awareness campaign been successful in enhancing participants’ understanding of health insurance? What awareness tools were most useful from the participant’s point of view? Has enhanced awareness resulted in higher enrolment?

Data for this analysis originates from a baseline survey (2010) and a follow up survey (2011) of more than 800 households in the pre- and post-campaign periods. We used the difference-in-differences method to evaluate the impact of awareness activities on insurance understanding. Assessment of usefulness of various tools was done based on respondents’ replies regarding the tool(s) they enjoyed and found most useful. An ordinary least square regression analysis was conducted to understand whether insurance knowledge and CBHI understanding are related with enrolment in CBHI.

The intervention cohort demonstrated substantially higher understanding of insurance concepts than the control group, and CBHI understanding was a positive determinant for enrolment. Respondents considered the “Treasure-Pot” tool (an interactive game) as most useful in enhancing awareness to the effects of insurance.

We conclude that awareness-raising is an important prerequisite for voluntary uptake of CBHI schemes, and that interactive, contextualized awareness tools are useful in enhancing insurance understanding.