Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/254248 
Year of Publication: 
2021
Series/Report no.: 
IFS Working Paper No. W21/47
Publisher: 
Institute for Fiscal Studies (IFS), London
Abstract: 
We report on a large randomized controlled trial of hospital insurance for above-poverty-line Indian households. Households were assigned to free insurance, sale of insurance, sale plus cash transfer, or control. To estimate spillovers, the fraction of households offered insurance varied across villages. The opportunity to purchase insurance led to 59.91% uptake and access to free insurance to 78.71% uptake. Access increased insurance utilization. Positive spillover effects on utilization suggest learning from peers. Many beneficiaries were unable to use insurance, demonstrating hurdles to expanding access via insurance. Across a range of health measures, we estimate no significant impacts on health.
Persistent Identifier of the first edition: 
Document Type: 
Working Paper

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