Effect of Health Insurance in India: A Randomized Controlled Trial.



We report on a large randomized controlled trial of hospital insurance for above-poverty-line Indian households. Households were assigned to free insurance, sale of insurance, sale plus cash transfer, or control. To estimate spillovers, the fraction of households offered insurance varied across villages. The opportunity to purchase insurance led to 59.91% uptake and access to free insurance to 78.71% uptake. Access increased insurance utilization. Positive spillover effects on utilization suggest learning from peers. Many beneficiaries were unable to use insurance, demonstrating hurdles to expanding access via insurance. Across a range of health measures, we estimate no significant impacts on health.

  Related Papers

Imai, Kosuke, Zhichao Jiang, and Anup Malani. (2021). ``Causal Inference with Interference and Noncompliance in Two-Stage Randomized Experiments.'' Journal of the American Statistical Association, Vol. 116, No. 534, pp. 632-644.
Jiang, Zhichao and Kosuke Imai. ``Statistical Inference and Power Analysis for Direct and Spillover Effects in Two-Stage Randomized Experiments.''

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