This paper aims to quantify the extent to which an attribute affects the decision making process ... more This paper aims to quantify the extent to which an attribute affects the decision making process at both individual and group level for a community based health insurance (CBHI) scheme launched among tribal population of M Rampur block in Kalahandi district, Odisha. Other methods for measuring the willingness to pay (WTP) for CBHI focus on its numerical value, while discrete choice analysis quests the impact of each attribute affecting the WTP. Utility maximisation approach has been used under the assumption that individuals are rational and maximise their perceived utility from the alternative following socio-economic constraints, like income and education. Analysis has been performed using mixed logit modelling incorporating conditional as well as multinomial logit models because of the dependency of both the choice specific and the individualistic attributes of the choice maker on the decision making process. The results evaluate the numerical value for the trade-off which individuals face during plan selection among the alternatives’ features as well as the impact of income, awareness and other personal attributes on preferences. Results shows that even the illiterate and innumerate individuals are able to make a justified decision. This choice modelling provides a tool for CBHI schemes’ efficient designing, evaluation and fabrication.
This paper aims to quantify the extent to which an attribute affects the decision making process ... more This paper aims to quantify the extent to which an attribute affects the decision making process at both individual and group level for a community based health insurance (CBHI) scheme launched among tribal population of M Rampur block in Kalahandi district, Odisha. Other methods for measuring the willingness to pay (WTP) for CBHI focus on its numerical value, while discrete choice analysis quests the impact of each attribute affecting the WTP. Utility maximisation approach has been used under the assumption that individuals are rational and maximise their perceived utility from the alternative following socio-economic constraints, like income and education. Analysis has been performed using mixed logit modelling incorporating conditional as well as multinomial logit models because of the dependency of both the choice specific and the individualistic attributes of the choice maker on the decision making process. The results evaluate the numerical value for the trade-off which individuals face during plan selection among the alternatives’ features as well as the impact of income, awareness and other personal attributes on preferences. Results shows that even the illiterate and innumerate individuals are able to make a justified decision. This choice modelling provides a tool for CBHI schemes’ efficient designing, evaluation and fabrication.
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