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Table 3 Out of pocket payment (OOP) and catastrophic health expenditure (CHE) among households* insured in the two Indian CHIs (01/04/2003 to 31/03/2004)

From: Indian community health insurance schemes provide partial protection against catastrophic health expenditure

  ACCORD CHI scheme SEWA CHI scheme
Number of households that would have paid OOP in the absence of insurance 476 2974
Number of households that paid OOP after insurance (%) 159 (33%) 1953 (66%)
Median OOP payment (95% CI) by households in the absence of insurance (US$) 18 (16, 19)
(n = 476)
48 (46, 49)
(n = 2974)
Median OOP payment (95% CI) by households after insurance (in US$). 13 (10, 17)
(n = 159)
28 (26, 30)
(n = 1953)
Number of households that would have experienced CHE in the absence of insurance (% with 95% CI) 39
8.2% (5.8,11.0)
1461
49% (47, 51)
Number of households that experienced CHE after insurance (% with 95% CI) 17
3.5% (2.1, 5.6)
694
23% (22, 25)
Median (95% CI) proportion of annual income that would have been spent on hospitalisation by households experiencing CHE before insurance 14% (12, 16)
(n = 39)
14 % (13, 14)
(n = 1461)
Median (95% CI) of proportion of annual income spent on hospitalisation by households experiencing CHE after insurance 9% (7, 11)
(n = 39)
9% (8, 10)
(n = 1461)
  1. * Only those households where data for both hospitalisation expenses and annual income were available were included for these calculations
  2. 95% CI = 95% confidence interval