Impacts of health insurance on healthcare in the poor and near-poor households in Vietnam

Abstract

Improving health and reducing catastrophic healthcare expenditure for the poor and near-poor are the major concerns of the Vietnam Government. This research analyses the impacts of health insurance schemes for the poor and near-poor households in Vietnam on two aspects, including healthcare utilization and out-of-pocket expenditure. The study applies the zero-inflated model and pooled OLS regression on the data that is extracted from the Vietnam Household Living Standard Surveys in two years 2014 and 2016. The findings show that health insurance significantly increases the probability of having a doctor visit and the number of doctor visits for a health check or outpatient treatment. For inpatient treatment, insurance does not increase the probability of having a doctor visit or the number of doctor visits. Having insurance significantly reduces out-of-pocket expenditures for both inpatients and outpatients.