# 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)
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