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Going Beyond Adverse Selection: Take-up of a Health Insurance Program in Rural Cambodia
Standard insurance theory predicts that households that anticipate high insurance costs are those that are willing to purchase health insurance (adverse selection). However, there are also several other reasons why households may choose to purchase health insurance. Since insurance is a
Published in December 2012
Evaluation document
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Adverse selection based on observable and unobservable factors in health insurance in rural Cambodia
High health care expenditures following a health shock can have long-term economic consequences. Health insurance has the potential to avert economic difficulties following health shocks, increase health care utilization and improve health. However, adverse selection in health insurance markets
Published in October 2012
Evaluation document
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SKY Impact Evaluation Cambodia, 2010 Village Monographs
are conducting a longitudinal impact evaluation of the SKY health microinsurance project. The study aims at measuring the impacts of health insurance on the rural poor in Cambodia and shedding light on why households decide to purchase, or abstain from purchasing, voluntary health insurance. The
Published in August 2012
Evaluation document
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Insuring Health or Insuring Wealth? An experimental evaluation of health insurance in rural Cambodia
High health care expenditures following a health shock can lead to long-term economic consequences. Health insurance has the potential to avert economic difficulties following health shocks. If uninsured individuals forgo valuable health care due to lack of funds, health insurance can also
Published in March 2012
Research document
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Randomized Controlled Evaluation of SKY Health Insurance in Cambodia, Survey ProtocolRandomized Controlled Evaluation of SKY Health Insurance in Cambodia, Survey Protocol
This proposal describes an impact evaluation of the SKY Health Insurance Program in Cambodia. The origins of SKY (Sokapheap Krousar Yeung, “Health for Our Families”) lie in a microfinance program launched by Groupe d'échange et de recherche technologiques (GRET) in Cambodia in 1991. Observing that
Published in January 2010
Research document
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Assessing the Effects of Health Insurance: The SKY Micro-Insurance Program in Rural Cambodia
When people experience a major health shock, their medical expenses typically rise and their contribution to household income and production (cooking, childcare, etc.) declines (Wagstaff and Doorslaer, 2003; Gertler, Levine & Moretti, 2003; Gertler and Gruber, 2002). According to the WHO, “Each
Published in January 2010
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