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)
| Â | 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) |