We investigate the causal impact of offering telehealth services to female microfinance borrowers on their health and bargaining power in the household. Using a balanced panel of 1218 female borrowers, we observe a positive impact of offering telehealth services on self-reported physical and mental health of treated relative to control women. Treated women seek healthcare more proactively; they are more likely to consult a doctor and they do so sooner, as compared to control women. In addition, treated women report greater inclusion in household decision-making. We also find positive spillover effects of offering telehealth services within the household, where we observe a greater likelihood of the spouse and children (of treated women) to seek health care.
health microinsurance telehealth physical health mental health Pakistan