Abstract：
:Agrahara is a mandatory social health insurance scheme providing coverage mostly for inpatient care for the public sector employees in Sri Lanka. For the 20 years of its' existence there is no clear evidence on its' effectiveness in reducing the financial burden due to ill health. We conducted a cross-sectional study among public sector employees (n = 500) in one district. Utilizing outpatient care was associated with a higher incidence of catastrophic health expenditure (29.4%) than utilizing inpatient care (7.2%). The poorest income quintile was at higher odds of facing catastrophic health expenditure than the richest. The social health insurance scheme with its lower utilization rate (38%) had only been able to protect 25% of households from catastrophe. Thus, alternative options to reduce out-of-pocket expenditure of outpatient care are needed. To improve the utilization rates of the social health insurance scheme, a wider benefit package, a cost-efficient delivery of government inpatient care, and improving awareness of the social health insurance policy are suggested.
journal_name
Asia Pac J Public Healthjournal_title
Asia-Pacific journal of public healthauthors
Karunaratna S,Ranasinghe T,Chandraratne N,De Silva Adoi
10.1177/1010539519862422subject
Has Abstractpub_date
2019-10-01 00:00:00pages
584-593issue
7eissn
1010-5395issn
1941-2479journal_volume
31pub_type
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