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Table 5 Incidence of catastrophic health expenditure per episode at SEWA by specific characteristics

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

  Number of cases (%) Number of cases with CHE (%) before insurance Number of cases with CHE (%) after insurance Probability of experiencing CHE before insurance (95% CI) Probability of experiencing CHE after insurance (95% CI)
Provider      
Private 2711 (86%) 1339 (89%) 640 (90%) 49% (47, 51) 24% (22, 25)
NGO 204 (6%) 74 (5%) 41 (6%) 36% (30, 43) 20% (15, 26)
Government 236 (8%) 84 (6%) 30 (4%) 35% (29, 42) 13% (9, 18)
Annual household income      
Q1 928 (31%) 845 (56%) 396 (57%) 91% (89, 93) 43% (39, 46)
Q2 561 (19%) 346 (23%) 145 (21%) 62% (57, 66) 26% (22, 30)
Q3 869 (29%) 234 (16%) 112 (16%) 27% (24, 30) 13% (11, 15)
Q4 616 (21%) 71 (5%) 41 (6%) 11% (9, 14) 7% (5, 9)
Diagnosis      
Fevers 745 (24%) 365 (25%) 126 (18%) 49% (45, 53) 17% (14, 20)
Injuries 405 (13%) 142 (10%) 70 (10%) 35% (30, 40) 17% (14, 21)
Diarrhoeal diseases 331 (11%) 123 (8%) 35 (5%) 37% (32, 42) 11% (7, 14)
Respiratory tract infections 306 (10%) 157 (10%) 66 (9%) 51% (45, 57) 22% (17, 27)
Non-communicable diseases 264 (8%) 139 (9%) 78 (11%) 53% (46, 59) 30% (24, 35)
Acute abdominal conditions (incl. laparotomies) 174 (6%) 100 (7%) 62 (9%) 57% (50, 65) 36% (29, 43)
Diseases of the reproductive system (incl. hysterectomies) 194 (6%) 117 (8%) 87 (12%) 60% (53, 67) 45% (38, 52)
Diseases of the urinary system 142 (5%) 74 (5%) 31 (4%) 52% (44, 61) 22% (15, 30)
Ocular conditions 113 (4%) 44 (3%) 20 (3%) 39% (30, 49) 18% (11, 26)
Exclusions      
Claim rejected 608 (19%) 306 (20%) 306 (43%) 50% (46, 54) 50% (46, 54)
Claim accepted 2544 (81%) 1191 (80%) 405 (57%) 47% (45, 49) 16% (14, 17)
  1. 95% CI = 95% confidence interval