The SKY health microinsurance programme, run by the GRET is an innovative attempt to extend health insurance to Cambodians, with special initiatives reaching out to both the rural and urban poor. The University of California, Berkeley, and the Cambodian research firm Domrei Research and Consulting 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 project includes both quantitative and qualitative components. As part of the qualitative component, the village monograph surveys were completed in 2009. The village monographs summarised in this report provide detailed qualitative analysis of SKY membership dynamics over time and the effects that SKY has had on members and non members. The reasons why people refuse to join SKY have been documented in several complementary studies. This qualitative study builds on this knowledge and adds to our understanding of why some people continue with health insurance and why others drop out. This report complements other components of the evaluation of SKY health insurance, including randomised encouragement to purchase SKY (using a lottery for discount coupons), a longitudinal household survey, and longitudinal data collection on health centre quality.
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