Does the critical illness insurance reduce patients’ financial burden and benefit the poor more: a comprehensive evaluation in rural area of China

References

• Longo CJ. Equitable access to healthcare services and income replacement for cancer: is critical illness insurance a help or a hindrance? Healthc Policy. 2010;5:e113–e119.
   PubMedGoogle Scholar
• Gatzert N, Maegebier A. Critical illness insurances: challenges and opportunities for insurers. Risk Management & Insurance Review. 2015;18(2):255–272.
   Google Scholar
• Krause J. Der deutsche markt ist reif für dread disease–teil i das produkt und seine entwicklung. Versicherungswirtschaft. 1998;53:433–438.
   Google Scholar
• Cummins JD, Venard B. International Insurance Markets: Between Global Dynamics and Local Contingencies—An Introduction. Handbook of International Insurance; 2007.
   Google Scholar
• Company MLI. What are accident and critical illness insurance? 200 Park Avenue, New York, NY 10166: Metropolitan Life Insurance Company; 2017 [accessed 11/18/2018]. Available from: https://www.d47.org/cms/lib/IL01904560/Centricity/Domain/512/Accident_Critical%20Illness%20FAQ.pdf.
   Google Scholar
• Re G. Dread Disease-Studie der Gen Re für 2000 bis 2004: Wie Alles Anfing; 2007 [accessed 11/15/2018]. Available from: http://www.genre.com/sharedfile/pdf/Themen15_Droste-de.pdf.
   Google Scholar
• Wagstaff A, Lindelow M, Gao J, et al. Extending health insurance to the rural population: an impact evaluation of China's new cooperative medical scheme. J Health Econ. 2009;28:1.
   PubMed Web of Science ®Google Scholar
• Cheng L, Liu H, Zhang Y, et al. The impact of health insurance on health outcomes and spending of the elderly: evidence from China's new cooperative medical scheme. Health Econ. 2015;24:672–691.
   PubMed Web of Science ®Google Scholar
• Ma J, Xu J, Zhang Z, et al. New cooperative medical scheme decreased financial burden but expanded the gap of income-related inequity: evidence from three provinces in rural China. Int J Equity Health. 2016;15:1–11.
   PubMed Web of Science ®Google Scholar
• Fang P, Pan Z, Zhang X, et al. The effect of critical illness insurance in China. Medicine (Baltimore). 2018;97:e11362
   PubMed Web of Science ®Google Scholar
• Guiding Opinions on Carrying out Critical Disease Insurance Work for Urban and Rural Residents 2012 Beijing: China Six ministries and commissions; 2012 [accessed 11/15/2018]. Available from: http://www.gov.cn/gzdt/2012-08/31/content_2214223.htm.
   Google Scholar
• Kasemsup V. Health care decisions under budget constraints in Thailand.: elibrary.ru; 2005 [acessed 11/10/2018]. Available from: https://scholar.google.com/scholar?hl=zh-CN&as_sdt=0%2C5&q=Health+care+decisions+under+budget+constraints+in+Thailand.&btnG=
   Google Scholar
• Chuma J, Maina T. Catastrophic health care spending and impoverishment in Kenya. BMC Health Serv Res. 2012;12:413
   PubMed Web of Science ®Google Scholar
• Shanchang X. Critical illness insurance: an important link in improving the medical insurance system. Macroeconomic Manag. 2013;03:31–32.
   Google Scholar
• Zhou Z, Gao J, Ashley F, et al. Measuring the equity of inpatient utilization in Chinese rural areas. BMC Health Serv Res. 2011;11:201.
   PubMed Web of Science ®Google Scholar
• Tanimura T, Jaramillo E, Weil D, et al. Financial burden for tuberculosis patients in low- and middle-income countries: a systematic review. Eur Respir J. 2014;43:1763–1775.
   PubMed Web of Science ®Google Scholar
• Gimenez E, Besses C, Boque C, et al. Indirect and non-medical economic burden, quality-of-life, and disabilities of the myelofibrosis disease in Spain. J Med Econ. 2014;17:435–441.
   PubMedGoogle Scholar
• Wagner AK, Graves AJ, Reiss SK, et al. Access to care and medicines, burden of health care expenditures, and risk protection: results from the World Health Survey. Health Policy. 2011;100:151–158.
   PubMed Web of Science ®Google Scholar
• Galbraith AA, Wong ST, Kim SE, et al. Out‐of‐pocket financial burden for low‐income families with children: socioeconomic disparities and effects of insurance. Health Serv Res. 2005;40:1722–1736.
   PubMed Web of Science ®Google Scholar
• Parish SL, Shattuck PT, Rose RA. Financial burden of raising CSHCN: association with state policy choices. Pediatrics. 2009;124:435–442.
   Google Scholar
• Kankeu HT, Saksena P, Xu K, et al. The financial burden from non-communicable diseases in low-and middle-income countries: a literature review. Health Res Policy Sys. 2013;11:31.
   PubMed Web of Science ®Google Scholar
• Galbraith AA, Ross-Degnan D, Soumerai SB, et al. Nearly half of families in high-deductible health plans whose members have chronic conditions face substantial financial burden. Health Aff. 2011;30:322–331.
   Web of Science ®Google Scholar
• McDaniel PR, Repetti JR. Horizontal and vertical equity: the Musgrave/Kaplow exchange. Fla Tax Rev. 1992;1:607.
   Google Scholar
• Balarajan Y, Selvaraj S, Subramanian SV. Health care and equity in India. Lancet. 2011;377:505–515.
   PubMed Web of Science ®Google Scholar
• Meng Q, Xu L, Zhang Y, et al. Trends in access to health services and financial protection in China between 2003 and 2011: a cross-sectional study. Lancet. 2012;379:805–814.
   PubMed Web of Science ®Google Scholar
• Mcintyre D, Thiede M, Dahlgren G, et al. What are the economic consequences for households of illness and of paying for health care in low- and middle-income country contexts? Soc Sci Med. 2006;62:858–865.
   PubMed Web of Science ®Google Scholar
• Limwattananon S, Tangcharoensathien V, Prakongsai P. Catastrophic and poverty impacts of health payments: results from national household surveys in Thailand. Bull World Health Organ. 2007;85:600.
   PubMed Web of Science ®Google Scholar
• Xu K, Evans DB, Kawabata K, et al. Household catastrophic health expenditure: a multicountry analysis. Lancet. 2003;362:111–117.
   PubMed Web of Science ®Google Scholar
• Xiang L, Pan Y, Hou S, et al. The impact of the new cooperative medical scheme on financial burden of tuberculosis patients: evidence from six counties in China. Infect Dis Poverty. 2016;5:8.
   PubMed Web of Science ®Google Scholar
• Zhou C, Long Q, Chen J, et al. The effect of NCMS on catastrophic health expenditure and impoverishment from tuberculosis care in China. Int J Equity Health. 2016;15:172.
   PubMed Web of Science ®Google Scholar
• Leive A, Xu K. Coping with out-of-pocket health payments: empirical evidence from 15 African countries. Bull World Health Org. 2008;86:849–856C.
   PubMed Web of Science ®Google Scholar
• Litwin H, Sapir EV. Forgone health care due to cost among older adults in European countries and in Israel. Eur J Ageing. 2009;6:167–176.
   PubMed Web of Science ®Google Scholar
• Fleurbaey M, Schokkaert E. Equity in health and health care. In Handbook of health economics 2011; (Vol. 2, pp. 1003–1092). Elsevier.
   Google Scholar
• Duan Ting GG, Shen W, Jia J, et al. Analysis of benefits and implementation effect of new rural cooperative disease insurance system—taking Jilin province as an example. China Health Policy Res. 2014;7:43–47.
   Google Scholar
• Essue BM, Kimman M, Svenstrup N, et al. The effectiveness of interventions to reduce the household economic burden of illness and injury: a systematic review. Bull WHO. 2015;93:102–112.
   PubMed Web of Science ®Google Scholar
• Rehse B, Pukrop R. Effects of psychosocial interventions on quality of life in adult cancer patients: meta analysis of 37 published controlled outcome studies. Patient Edu Couns. 2003;50:179–186.
   PubMed Web of Science ®Google Scholar
• Higa DH, Gary M, Nicole C, et al. Interventions to improve retention in HIV primary care: a systematic review of U.S. studies. Curr Hiv/Aids Rep. 2012;9:313–325.
   PubMed Web of Science ®Google Scholar
• Baughman KR, Burke RC, Hewit MS, et al. Associations between difficulty paying medical bills and forgone medical and prescription drug care. Popul Health Manag. 2015;18:358.
   PubMed Web of Science ®Google Scholar
• Home C. QuickStats: delayed or forgone medical care because of cost concerns among adults aged 18–64 years, by disability and health insurance coverage status — national health interview survey. United States, 2009. Morb Mortal Wkly Rep. 2010;59:1456.
   Google Scholar
• Russell S. Illuminating cases: understanding the economic burden of illness through case study household research. Health Policy Plann. 2005;20:277–289.
   PubMed Web of Science ®Google Scholar
• Hidayat B, Thabrany H, Dong H, et al. The effects of mandatory health insurance on equity in access to outpatient care in Indonesia. Health Policy Plan. 2004;19:322–335.
   PubMed Web of Science ®Google Scholar
• Roy K, Howard DH. Equity in out-of-pocket payments for hospital care: evidence from India. Health Policy. 2007;80:297–307.
   PubMed Web of Science ®Google Scholar
• Castroleal F, Dayton J, Demery L, et al. Public social spending in Africa: do the poor benefit? World Bank Res Obs. 1999;14:49–72.
   Web of Science ®Google Scholar
• Flatø H, H Z. Inequity in level of healthcare utilization before and after universal health coverage reforms in China: evidence from household surveys in Sichuan Province. Int J Equity Health. 2016;15:96.
   PubMed Web of Science ®Google Scholar
• World Health Organization. Designing health financing systems to reduce catastrophic health expenditure (No. WHO/EIP/HSF/PB/05.02). Geneva: World Health Organization; 2005.
   Google Scholar
• Hu S, Tang S, Liu Y, et al. Reform of how health care is paid for in China: challenges and opportunities. Lancet. 2008;372:1846
   PubMed Web of Science ®Google Scholar
• Victora CG, Wagstaff A, Schellenberg JA, et al. Applying an equity lens to child health and mortality: more of the same is not enough. Lancet. 2003;29:233–241.
   Google Scholar
• O’Donnell O, Van Doorslaer E, Rannaneliya RP, et al. The Incidence of public spending on healthcare: comparative evidence from Asia. World Bank Econ Rev. 2007;21:93–123.
   Web of Science ®Google Scholar
• Liu X, Tang S, Yu B, et al. Can rural health insurance improve equity in health care utilization? a comparison between China and Vietnam. Int J Equity Health. 2012;11:1–9.
   PubMed Web of Science ®Google Scholar
• Gansu Province urban and rural residents critical illness insurance work implementation plan (2018 version) 2018. Gansu province: Gansu Provincial People's Government; 2018 [acessed 10/20/2018]. Available from: http://www.gsws.gov.cn/single/11117/74854.html.
   Google Scholar
• Tang S, Meng Q, Chen L, et al. Tackling the challenges to health equity in China. Lancet. 2008;372:1493–1501.
   PubMed Web of Science ®Google Scholar
• National statistical bulletin on health and family planning 2013 Beijing: National Health and Family Planning Commission of the People's Republic of China; [accessed 11/10/2018]. Available from: http://www.nhfpc.gov.cn/htmlfiles/zwgkzt/ptjnj/year2013/helpheader.html.
   Google Scholar