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)
| 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) |